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Credit Manager
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- Posted 17 hours ago
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Job Description
Role: Credit Manager
BU: Credit Risk Management
SBU: Retail Business Risk (RBR) - HL & LAP
Ticket Size: 10 Lakhs to 15 Crores
Location: Bangalore
Role Summary
BU: Credit Risk Management
SBU: Retail Business Risk (RBR) - HL & LAP
Ticket Size: 10 Lakhs to 15 Crores
Location: Bangalore
Role Summary
- The credit manager should ensure building quality portfolio and manage delinquency.
- Understands the KPIs/goals and takes full accountability to deliver for the region & overall performance.
- To understand the management goals & align/ driven towards the target.
- To control operational and credit cost. Rationalize various components of cost viz. CPV, CPA, Valuation etc. Initiative on cost saving taken on FI waiver, per FI cost, Valuation etc.
- To underwrite cases keeping in mind the Banks risk policies, risk appetite and quality of portfolio to be maintained.
- Ensure faster delivery within TAT and with satisfaction of customer requirements.
- To adhere Yes Personality and policy of the bank.
- Ensure exercises the credit delegation authority with all due diligence within the policy framework.
- Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed.
- To ensure that you processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards.
- Increase the efficiency of credit managers by reducing reworks and increasing FTR in all the activities carried.
- Responsible for Process Improvements and Digital Initiatives
- Portfolio management:
- Monitoring of the portfolio, analysis of delinquent cases.
- Profiling of customers with data cuts.
- Highlight early warning signals
- Basis review to arrive with a definite corrective action plan.
- Executive corrective action plan with all control measures.
- Track deviations and correlate between deviations & delinquency.
- Co-ordinating and arrange on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc.
- Liaison with industry peer banks & financial institutions to understand the market behavior.
- To look proactively at best practices across industries and businesses and try adapting them to own context.
- Co-ordinating with external agencies which includes CPV, PD and sourcing channels.
- Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.
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Key Skills
About Company
Skills:
Excel, credit risk mitigation techniques, securitisation regulations, Credit Insurance, loan products, securitisations, banking regulations, Credit Derivatives, Credit Portfolio Management, capital treatments, Banking Structured Finance Markets