Job Description

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About Retail and Wholesale Credit:

The Retail and Wholesale Credit department focuses on the collection of the bank's various loan products like Home Loans, Car Loans, and Personal Loans among others. While underwriting department focuses on risk mitigation towards the loan offered to the customers. The department is key for the Loans business vertical as it is responsible for controlling and ensuring timely EMI collection and maintaining risk of the business.

About the Role:

The centralized underwriting team member is responsible for appraising proposals of SBB Loans, inspecting relevant documents and conducting risk analysis for portfolio. They are also responsible for sanctioning of loans within defined TAT for all India as Central Underwriting head. They are also responsible for arranging Training as required and improvising Process as per market need.

Key Responsibilities:

• Review approval Rates, basis the target for the year for the location and approval rates for all the locations - for the full year.
• Review approval Rates - CC/OD/Card Power/Secured Loans, basis the target for the year, for the location and approval rates for all the locations - for the full year.
• Maintain Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.
• Maintain Turnaround time (TAT) - Legal and Technical - Login to sanction for all secured products as confirmed.
• Review early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.
• Ensure Audit and Compliance - Based on Internal and Concurrent audit conducted and Report submitted
• Maintain PSL Accuracy at product level.
• Review Renewal and Pendency - Timely inspection and Monitoring of accounts
• Implement Process improvement, Training, Special assignment, policy feedback, vendor management, participation in pilot runs/testing etc.
• Ensure support provided to Existing CPC
• Take Feedback from CO team and Zonal Credit Manager/National Credit Manager for Job enrichment and training initiative and provide support to new locations and products.
• Take Feedback from Head Credit - SBB and Other stake holders will be the source.

Qualifications:

Optimal qualification for success on the job is:

• CA/MBA Finance with Credit Appraisal

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Working knowledge of all retail banking product
• Knowledge of regulatory guidelines and norms
• Working knowledge of handling Customer Service
• Good communication (both verbal and written) skill in both English and the local language
• Ability to handle pressure and meet deadlines

#ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

About Company:

Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses