Job Description

Qualifications : Minimum Graduate in any stream experience : 3-6 years total experience in credit function with 2-3 years or more relevant experience in credit approval in consumer finance (LAP/Personal loan/Mortgage/Auto/2W/Consumer Durable) in NBFC/Banks Department : Credit & Risk Organizational Relationships Position reporting to : Cluster Credit Manager Job Purpose: Responsible for monitoring, managing, maintaining good loan portfolio (Secured and hypothecated loan) in the branch for business as per company policy. Underwriting Secured and hypothecated loan and following all necessary process and policy for the same. Training to CROs on credit assessment/appraisal approach and helping them to perform better. Key Responsibilities: 1) Managerial Responsibilities : To help manage the branch with help of Branch Manager 2) Functional Responsibilities : Enforcement and adherence of the company credit process and policy in the Branches for Secured and hypothecated loans Approval of Secured and hypothecated loans as per policy Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch manager Hand holding of branches in initial stages for better understanding of processes including customer assessment, cash flow, CPV etc Interacting with Branch Managers and Cluster Business Manager from risk and loss control perspective. Job Requirements Functional Competencies : Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch CROs Training: Training branch CROs regularly on credit policy and improvement areas. Behavioral Competencies : 1) Maintaining Balance while taking decisions relating to approval 2) Adaptability/ Accountability 3) Integrity & Valuing Diversity Key Interactions Internal: All branch employee All supervisory Team External: Customers/prospective customers Competitors/other players in market Vendors ( Fraud agencies/advocates/valuers)

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