Job Description

:
Key Objective of the Job:
To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions.
Key Deliverables:

• Timely due diligence of the funding proposals of the branches
• Ensuring the Credit policy implementations
• Managing and supervising FI agency/ valuation agency operations
• Ensuring quality portfolio of the branches within the set parameters
• Conducting training for FI/Channels and cross verticals at regular intervals
• Visiting Channels/ Branches and customers at regular intervals
• Handling a team of Credit Managers and associates
• Providing market feedback through fieldd visits and networking with Credit counterparts of competition
• Providing inputs for localized schemes based on market dynamics and delinquency studies
• Audit of files and Process and taking corrective measures
• Complying to audit Queries
• Keep track on performance of self and drive the team to enable positive results on KPIs
• Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting

Education Qualification:
MBA/CA/ICWA/CS/M.com/B.com (Hons)
Specialized job competencies:
Functional Competencies

• Credit Analysis
• Analytical & Accuracy Skill
• Understanding of Lending Procedures
• Credit Risk Assessment

Behavioral Competencies

• Execution Excellence
• Customer Centricity
• Fostering Synerygy
• People Leadership
• Strategic Orientation

Hiring Parameters:

• Should have Direct or CFT experience in Credit/Operations/Sales/Collections
• Should have knowledge of local market
• Good Communication & Negotiation Skill will be added advantage
• Should have problem Solving Skill