Credit Controller

For a leading stock broking and Investment Services firm in India requires:

Position: Credit Manager – Loans Against Shares (LAS)

Location: Kochi

Department: Credit & Risk – LAS Division

Reports to: Head of Credit / Senior Manager – LAS

Qualification: Bachelor's Degree

Experience: 4–8 years of experience in credit underwriting of loans, preferably in secured lending or LAS

Salary: Up to 50k/month

Interview mode: Offline at Kochi

NP: immediate/1 month NP have preference

Job Purpose:

The Credit Manager will oversee the underwriting, assessment, and approval of loans secured by pledged shares (equity and mutual funds). The role requires strong analytical skills, understanding of capital markets, risk evaluation, and regulatory compliance to ensure a high-quality loan portfolio.

Skills:

• Strong knowledge of financial statement analysis and valuation methods.

• Excellent analytical, communication, and decision-making skills.

• Proficiency in financial modeling, credit risk scoring, and MS Office (especially Excel).

Key Responsibilities:

Credit Assessment:

• Evaluate loan applications for LAS products by analyzing borrower profiles, pledged securities, financials, market conditions, and risk exposure.

• Conduct in-depth credit appraisals, including stress testing and collateral adequacy analysis.

Underwriting & Approvals:

• Review and approve loans within assigned authority levels.

• Recommend and escalate larger exposures for approval to senior management or credit committees.

Collateral Management:

• Assess the quality, liquidity, and volatility of pledged shares and mutual funds.

• Ensure appropriate margins, haircuts, and eligibility criteria are applied as per internal policies.

• Risk Monitoring:

• Regularly monitor the loan book for margin shortfalls, price movements, and covenant breaches.

• Initiate timely actions such as top-ups, additional collateral calls, or liquidation of securities.

Compliance & Documentation:

• Ensure that all credit processes, approvals, and disbursals adhere to internal policies, regulatory norms (like SEBI, RBI guidelines), and audit requirements.

• Verify complete and accurate documentation related to securities pledge, loan agreements, and power of attorney.

Portfolio Management:

• Track sectoral and concentration risks within the LAS portfolio.

• Analyze early warning signals and take preventive or corrective measures.

Stakeholder Coordination:

• Collaborate closely with sales teams, operations, risk, legal, and compliance departments to ensure smooth processing and risk control.

• Interact with clients when necessary for clarifications, negotiations, or structuring deals.

• It is a Full Time Accountant job for candidates with 4 - 6+ years Experience.

More about this Credit Controller job

1. What is the eligibility criteria to apply for this Credit Controller job?
   Ans: The candidate should be Graduate and above and above with 4 - 6+ years Experience of experience
2. How much salary can I expect for this job role?
   Ans: You can expect a salary of ₹30000 - ₹40000 per month that depends on your interview. It's a Full Time job in Kochi.
3. How many working days are there for this Credit Controller job?
   Ans: This Credit Controller job will have 5 working days.
4. Are there any charges applicable while applying or joining this Credit Controller job?
   Ans: No, there is no fee applicable for applying this Credit Controller job and during the employment with the company, i.e., STOCK BROKING AND INVESTMENT.
5. Is it a work from home job?
   Ans: No, it’s not a work from home job and can't be done online.
6. How many openings are there for this Credit Controller role?
   Ans: There is an immediate opening of 1 Credit Controller at STOCK BROKING AND INVESTMENT
7. Who can apply for this job?
   Ans: Both Male and Female candidates can apply for this Accountant job.
8. What are the timings of this Credit Controller job?
   Ans: This Credit Controller job has 09:00 AM - 06:00 PM timing.