అకౌంట్స్ ఎగ్జిక్యూటివ్

This form is used to provide a complete description of the specific job profile and defines the skills, knowledge and abilities required to undertake the generic and specific profile.

Job title

Accounts Executive cum Credit Appraisee

Reports to

Chief Financial Officer

Job purpose

The Accounts Executive cum Credit Appraisee is expected to implement the best practices managing the accounting and compliance of the company.

Touch points

Sno.

Touch points

Expectation

1

Customers (Existing)

Smooth and timely collections of debits, Look for early signals where there is a problem in collection, report to legal to initiate early action plan. Customer delight is off time important while dealing with them.

2

Credit Analyst

Take complete charge after disbursal for all collection and regular verification of mortgage property.

3

Chief Financial Officer

-Proper and timely collection, proper follow up for delays, detecting early signals, Preparing report and submit to the CFO on regular basis. Maintain healthy relationship with client, listen to their needs and pass leads to the marketing manager.
-Reporting of Loan Web Management

4

Legal

-Submit timely information to prepare customer profile
-Submission of investments file to CDC through FolderiT.

5

Company Secretary

- Approval & updates  for new investment

- Submission of Credit reports of NBFC co.

Responsibilities

Job Description as Credit Appraisee

ž  CUSTOMER RELATIONSHIP

Ø  Connect with the marketing officer for collection of quality leads in consonance with our policy.

Ø  Seek minimum information about the client and evaluate the same using the initial KYC reports. In case of multiple leads, he can prioritize the same using the numbers.

Ø  Seek all information and documents from the client required for the complete credit appraisal and shall submit the same to Credit officer.

Ø  Seek documents from client, if additional documents requested by credit officer.

ž  CREDIT ANALYSIS

Ø  Understand the main factors involved in analyzing the success quotient of a new lead.

Ø  Quick and fast implementation of the ‘Trinidhi Model of Analysis’& process for customer evaluation to reduce time taken for lead conversion.

Ø  Analyzing client records and using the data to recommend payment plans (Designing of interest + principal repayment schedule considering cash flow of the company).

ž   BUSINESS DEVELOPMENT

Ø  Coordinate with the client and collect relevant details; maintain cordial relations with clientele

Ø  Conferring with clients to verify their financial/credit transactions and to resolve their complaints

Ø  Support and train the Marketing and Sales Executive to identify various loan platforms

Job Description as Executive Accounts

ž  ACCOUNTING AND FINANCE

Ø  He shall be responsible for overall accounting and compliance of the company including RBI compliances, GST compliances, TDS, closing of books, preparation of financial statements in consonance with the acceptable accounting policies.

Ø  He shall also be responsible for assisting company auditors in rendering their duty for audit of books of accounts.

Ø  Will assist to Tax consultants for timely submission and filing of replies to Tax authorities online / offline.

Ø  He shall also be responsible for creation of different types of reports including Bank Reconciliation, cash reconciliation, debit/credit note creation, creation of vouchers with accuracy i.e. purchase, cash, journal, BR, invoice, creation of PO, checking of Salary/OT/Incentive while disbursement, issuing of all Statutory Forms, issuance of cheques, Banking / relationship with bank.

Ø  Complete RBI compliance including drafting monthly, quarterly reports, preparation of computation of incomes and filing of Income Tax Return.

Ø  Preparation of Cibil data on monthly basis for further updation in credit agencies

Ø  Ensuring correct deduction & timely deposit of GST there Filing of Return & Reconciliation with books.

Ø  Vendor payments to be made as per monthly payment run process.

Ø  Ensuring Correct reco of GSTR 2A, GSTR 3B and GSTR 1 with books.

Ø  Preparation and to provide data to concern  of weekly MIS.

Ø  Shall do all such acts that are incidental or necessary in that are required for rendering the accounting, compliances of the company in most efficient and effective manner.

Ø  Drafting, reviewing the financial statement, filing of returns including income tax return.

Ø  Will manage & keep updated files related to accounts department in Company’s Archival coordination with CDC department.

ž  LOAN PROCESS

Ø  Responsible for intimation /information w.r.t New investments /proposals to CS deptt. For their APPROVAL.

Ø  Coordination with departments for renewal of intercompany / external loans / Investments.

Ø  Responsible for keeping track of all EMI/interest i.e. timely collection from the client.

Ø  Seek information and appropriate reasons from client in case of delay in repayment of EMI or interest.

Ø  Coordination with CS deptt for collection of CIBIL information of customer and evaluation of the report.

Ø  Shall report to Legal department for execution of agreement w.r.t new / renewal of Loan / Investments.

Ø  Shall assist to Legal department for execution and completion of loan documentation, as and when required.

Ø  Providing all the documents collected from customers to legal department for their due diligence and valuation of collateral etc

Ø  Shall report to the legal department in case any client defaults in repayment.

Ø  Shall help the credit officer in case credit officer seeks any kind of information or assistance in credit evaluation.

Ø  Shall be responsible for helping the management in calculation of available funds.

ž  LOAN WEB MANAGEMENT

Ø  Collection of KYC documents from the parties (customers) for the opening of Customer account in Loan Web System.

Ø  Collections of necessary documents like Financials of the customers, income proofs, collateral details and other security related documents for uploading in Loan Web System.

Ø  Customer Request Generation & Interest Calculation Schedule in Loan Web System (Inbound & Outbound).

Ø  Preparation of Reports through Loan Web Management i.e. Inbound & Outbound & Monthly Collections Reports (Interest +Principal)

Ø  Preparation of inter companies monthly / quarterly execution of (Interest +Principal) payments.

Ø  Responsible for posting of collections & AR in all companies in SAP FI Module through loan web system.

ž  DOCUMENTATION (SUBMISSION FILES TO CDC)

Ø  Summaries all documents including financial statements, valuation documents etc, to credit officer for complete evaluation.

Ø  After the completion of loan documentation / Investments and collection of PDC’s from the customer’s, get it signed by the parties and make the index and summary of all loan document / investments documents and finally submit to CDC through FolderIT ."

ž  BANKING COODINATION

Ø  Opening of new current account as directed by the management as and when required"

Ø  Coordination with the bank for Bank statement in every quarter ending, addition and deletion of signatories, KYC of the account when required, availing net banking services and other operational matters, etc."

Competencies (in a scale of  5)

Functional

Level

Future Trend

Compliances (Tax & others)

5/5

> 

Collections & Payments

5/5

> 

MIS report 

4/5

> 

Preparation of FS

4/5

=

Behavioral

Accuracy

5/5

=

Strass handling

4/5

> 

Calculative & Co-ordination

4/5

> 

Legends

Trend

> 

Will increase in future

=

Will remain the same

< 

Will decrease in future

Qualifications

Education

Bachelor’s degree in any of the given areas

·         Accounting

·         Finance

Professional Certification

NA

Technical skills

·         Accounting standards, IGAAP

·         Simple and compound interest, EMI calculation

·         GST, TDS and respective returns

·         Logical thinker

·         RBI Compliances for NBFC

Behavioral Skills

·         Stress handling

·         Ability to work well under pressure

·         Calculative & Co-ordination

·         Accuracy with maths

·         Excel

Other skills

·         Tally, SAP, Busy, quickbooks, XBRL tool, and other regular accounting and finance software.

·         Well versed with MS Office specially MS excel, Pivot, internal of things etc.

Experience

3-4 years

Salary

Rs.3.60 to Rs. 4.80 lacs per annum

Functional & Operational Process

Approved by:

Signature of the person with the authority to approve the job description

Date approved:

Date upon which the job description was approved

Reviewed:

Date when the job description was last reviewed

This job description is open to the approving authority for quarterly reviews wherein recommendations can be made for further incorporation into this document.

• It is a Full Time అకౌంటెంట్ job for candidates with 3 - 4 years of experience.

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