- Key Responsibilities: - Managing overall credit and risk functions for the areas/locations assigned to him/her Responsible for processing and underwriting of CF (Construction Finance) deals as per credit policy Maintaining defined TATs for approval To facilitate business team, achieve monthly/annual business targets To ensure adherence to credit policy and defined processes, TAT management, PD management, CAM quality and Fraud Risk Management Inputs for designing and implementation of credit policy and programmes, new initiatives, periodical changes in credit policy and programmes based on the inputs provided by sales team and market feedback, providing inputs on product and policy being followed by competitors in the market To maintain the Portfolio Quality & being responsible for collections, delinquency and NCL management. Visit Builder Sites/Client Sites and prepare and submit report on project completion /sales velocity/ client's business activity/neighbour/customer feedback etc. Responsible for PDD monitoring and collateral management Coordination with Operations team for disbursal and PDD process Monitoring and management of different vendors viz. Legal Agency, Valuation Agency, CPV Agency, FCU Agency, ROC Search Agency or Stock Audit Agency & other agencies as required. Vendor TAT management, Vendor Visits, Vendor payments management Hiring of credit resources as per manpower budgeting, attrition management and performance management To ensure audit compliance and regulatory compliance for his location/area To take reference checks for prospective borrowers from market links and existing lenders Coordinating for training programs for credit/sales team, imparting induction training for their subordinates MIS management/Audit Management for CF Segment
Other Responsibilities (If Any) :-
To maintain and keep up with HFCL values/ethos.
To ensure completion of adhoc projects as and when required.
Eligibility Criteria for the Job
Education
Post Graduate/CA/ICWA/MBA
Age
Not above 45 years
Primary Skill
Credit Risk Analysis for CF
Sound knowledge of builder market, CF underwriting, escrow mechanisms , management, credit ops management, maintaining robust audit and risk mechanism of CF Portfolio and other segments of SME Select vertical
Sound Local Market Feedback/Network
Local language proficiency for main language used in region
Good communication skills
Technical Skills
Ability to understand financial products and associated risks
Financial Analysis/Business Model Understanding
Understanding of regulatory norms primarily in the CF business
Knowledge of types of collateral, their acceptability as security and valuation norms for them
Knowledge of Legal and related framework for the CF segment
Management Skills
Team Management
Ability to guide the team of credit analysts for day to day activities
Engaging with CH/SRM/ASM for effective case/ deal management
Being proactive in portfolio/delinquency management issues for the vertical
Soft Skills
Presentation skills for taking a credit proposal forward to committee/approving authority
Communication skills for better management of team and handling escalations
