Job Description

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The purpose of this job is: * Review STSL credit proposals, carry out thorough due diligence within stipulated turnaround times and decision of the cases / recommend the same to respective authorities - Zonal Credit Manager, National Risk Manager, Credit Committee for decision/ approvals on the case

• Maintain the quality of portfolio by regularly reviewing the portfolio and suggesting for the policy changes accordingly if any
• Regularly Review & Monitor the Portfolio Performance, PDD movement and Compliance related matters
• Regularly Review & Monitor Vendor Management and closure of Audit queries
• Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives and Stakeholder Management

Customer Centricity, Productivity and People Management
Key Result Areas
Supporting Actions

• 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

• 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

• 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

• 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

• Process & Quality Improvement -

Regularly Review & Monitor the PDD movement as one of the most important process laid down to be managed by RCM
Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives Define credit underwriting standards and processes in accordance with ROC approved guidelines
Process adherence as measured by audit ratings, FTR score and TAT are key deliverables

Skills Required