To lead a team of CMs; ensure building quality portfolio and manage delinquency.
Understands the KPIs/goals and takes full accountability & ensure credit team members are in line with the same.
To understand the management goals & align/ drive team towards the target.
Core Responsibilities
Ensure team exercises their 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 the team processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards.
Monitoring of Portfolio hyegine and take corrective actions.
Co-ordinating and arrange & conduct training to CMs 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 try adapting them to own context.
Regular interaction with all the stakeholders including Anchor
Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.
People Management Or Self-Management Responsibilities
To interact closely with other functions in ensuring smooth delivery of objectives.
Vendor management: CPA vendor and in-house CPAs wherever available.
To impart regular training and share feedback to improve quality.
Risk And Internal Control Responsibilities
Audit & regulatory compliance on all aspects stipulated by central team.
Credit quality: Ensure team focusses on Nil PAR errors and Nil QM cases.
Also, periodic monitoring of team's Credit authority delegation especially on resigned staff & ensure team exercises CAD without any instance of transgression of powers.
Sharing regular feedback to policy team.
SECTION IV: KEY INTERACTIONS
Key Internal Interactions
Purpose of Interaction
Business Team
Co-ordinating with RBLs; share them with feedback on portfolio performance & help them to align sourcing in line with policy.
Accompany them for visits to understand their sourcing pattern & sharing feedback on portfolio behavior.
Nurturing & imparting training to the business team on processes & product, new policy amendments etc.
Policy Team
To seek clarification wherever required.
To share feedback on policy parameters basis team's feedback / portfolio behavior.
To share market alert on fraud/setup-companies.
Key External Interactions
Purpose of Interaction
Customers
Customer interaction wherever required helps us to evaluate the profile which helps us to take an emphatic decision comprehensively.
SECTION V: KNOWLEDGE & EXPERIENCE
KNOWLEDGE
Minimum Qualifications
Postgraduate in regular stream or CA professionals having 10+ years experience.
Professional Certifications
Any additional certifications /analytical skill related shall be an added advantage.
Language Skills
Strong communication both oral & written in English with good negotiation skills.
Experience
Years of Experience
Postgraduate /MBA or CA
Overall experience of more than 7-8 yrs in credit risk management & underwriting experience.
Nature Of Experience
Experience in Credit underwriting of SME loans with team handling experience.
