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| RC - Centralised UW - MFI - Rural Credit | |||||
| INTERNAL USAGE: | |||||
| No. of Vacancies: | Reports to: | Team Leader - MFI Process Hub | |||
| Is a Team leader | N | Team Size: | |||
| Grade: | |||||
| Business: | Microfinance | Department: | Retail Microfinance | Sub-Department: | Rural Credit |
| Location: | |||||
| About Rural Credit | |||||
| Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group. | |||||
| AbouttheRole | |||||
| The Central Credit Underwriter is responsible for underwriting loan application sourced from Business Correspondences and manages QC team (off roll staff) who would be managing QC activity for MFI applications sourced through Direct lending model. Central Credit underwriter is also responsible for managing other critical activities of Collection Reconciliation, Insurance enrolment & Claim settlement for MFI customers, operational activities & new project developments. | |||||
| Key Responsibilities | |||||
Sanctioning applications sourced by BC channel with in specified approval rate Monitor of QC activity for the applications sourced by Direct channel Providing credit decisions with in stipulated TAT Doing reconciliation for the collections reported from both BC & Direct channels GL a/c monitoring & Reconciliation Loan document scrutiny & Storage Insurance enrollment & Claim settlement processing Managing operational activities related to Loan a/c write-off, manual a/c opening & manual | |||||
| Qualifications | |||||
Graduation/ Post- Graduation from a recognized institute Experience in conducting Credit appraisal/Underwriting/Loan sanctioning | |||||
| Role Proficiencies: | |||||
For successful execution of the job, the candidate should possess: Knowledge of Microfinance Product & Policy guidelines Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language Ability to do frequent travel & Data analysis and MIS Management |
Job ID: 136315111
