The job holder shall be responsible for Credit department for Alliance Finance Corporation Limited.

Specific responsibilities include but not limited to:
• Responsible for reviewing and approving commercial credit proposals and maintaining a good balance between returns and risks exposure, defining limit of credit exposure based on financial assessments.
• Lead a team of credit approvers to ensure high standard credit quality of the portfolio by using various credit assessment tools.
• Engage in the development,implementation, reviews, and monitoring of various credit programs and provides training and coaching to continuously upgrade the competency of the team members.
• Review and develop credit approval policies and guidelines as well as participate in ad hoc projects of investigative or trouble-shooting nature on specific customer portfolio. Ensure debt recovery procedures are fully effective and all available recovery options are utilized to maximize recovery outcomes. Manage any ‘extreme’ credit control situations.
• Monitor credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses. Ensure compliance with company policy and submitting of various monthly reports and data to management and credit bureau as per banking regulations.
• Maintain department organizational structure sufficient to meet objective, measures department performance with appropriate metrics.
• Perform any other duties assigned from time to time.

Minimum qualification:
• Master’s degree in Commerce or Finance with 8-10 years of experience in Credit & Risk Management. Working with Banks, Retail Finance is a must, good relationship building skills with excellent communication and inter-personal skills.