Portfolio Management | - Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
- Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables
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Business & Financial Management | - Calibrate the capacity plan in line with business needs
- Identify and act upon various risk arising out of credit/process activities
- Risk mitigation- bureau/rating agencies/collection reports to be reviewed
- Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices
- Track and react to external influence on portfolio Bureau/rating agencies
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Customer Focus | - Take decisions which are aligned to the management directive keeping customer in mind
- Bring in the efficiency in the system by enabling decisions being taken within defined timelines
- Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 - 4 markets
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People/Team Management | - Effective training and timely communication of policy & underwriting standard
- Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
- Interaction with business and allied teams to incorporate changes
Strong interpersonal skills to manage team size of 10+ risk managers Capable to mentor 3 - 4 middle layer Managers towards progressive career path |
Productivity Management & Improvement | - Productivity and its management is the key deliverable
- Quality is measured by no of files managed on monthly basis
- Initiatives for improving the productivity at every level is also one of the key deliverables
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