Job Description
| RC - Centralised UW - Regional Credit Manager - NPC | |||||
| INTERNAL USAGE: | |||||
| No. of Vacancies: | Reports to: | NCM | |||
| Is a Team leader | Y | Team Size: | 8-10 | ||
| Grade: | SM/AVP | ||||
| Business: | Underwriting | Department: | Retail Credit | Sub-Department: | Centralized underwriting |
| Location: | Mumbai/Noida/Hyderabad/Chennai | ||||
| About Retail Credit | |||||
| The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes | |||||
| AbouttheRole | |||||
| The Cards RCM will be team leader role where all managers will be reporting to them. Core job will be to manager underwriting function and all supporting activities , grooming managers for leadership role. | |||||
| Key Responsibilities | |||||
Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year. Turn around time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed. Early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed. Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted Training, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products. Feedback from Head Credit - & Other stake holders will be the source. Stakeholder management Idea generation for new projects for process efficiency and cost saving. Handling entire processing centre. Manage attrition | |||||
| Qualifications | |||||
Graduate / Post- Graduation (MBA/ CA preferred) for good institute Experience in retail credit with team handling. | |||||
| Role Proficiencies: | |||||
For successful execution of the job, the candidate should possess: Knowledge of credit, industry and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language Team handling experience |
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