Conduct periodical review meetings with the business head for aligning credit policy to business needs and reporting credit deviations
Portfolio reviews covering areas of delinquency reports, perusing Early Warning System (EWS) reports. Focus should be on portfolio intervention and resolutions strategies with the business unit in order to improve asset quality on continuous basis
Capturing key data elements and analyzing them, interpreting the cross-period movements and understanding the macro mechanics of the system
Responsible for the compliance to procedures laid down for processing, sanction, documentation and disbursement of various loan products at all the branches
Identify and implement system and process improvements to ensure accurate, thorough data is available to support high quality analysis
Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
Introduce projects related to process improvement, business development and risk reduction; serve as a co-owner for these projects
Define processes and procedures in the credit function; ensure compliance with credit policy by coordinating with the authority at all locations
Managing of Rule engine for credit decisioning
Study competition and anticipate market trends, create programs to counter competition and improve business results
Plan and execute quarterly risk assessment process in accordance with established standards, policies & procedures
Ensure credit deviations are within control by monitoring underwriting quality; achieve credit cost reduction through programs focused on process and productivity improvement
Job Requirements:
Post Graduate / MBA
15+ years in Two Wheeler financing credit underwriting & policy
Ability to derive industry insights & analyze best practices across industry
Understanding of Two Wheeler industry; product knowledge
Exposure to retail finance lending
Ability to analyze the portfolio risk and to deal with the customers
