-To effectively handle a team of credit managers.
-To assist the Zonal Credit Head in planning, coordination and control on
underwriting decisioning on retail lending proposals as per the product policy.
-To maintain the portfolio quality for his/her product and team in the location,
while ensuring adherence to the policy/process laid out by the central team on all applications being processed.
-Responsible for positively impacting client experience by maintaining the
underwriting TAT for team.
-To monitor non starters/cheque bounce trends, maintain adequate knowledge of channels and their sourcing pattern.
-To ensure audit compliance and regulatory compliance for the location.
-To analyze delinquent accounts and prepare report on highest risk accounts
including recommendations for resolution.
-To interact with customers to obtain additional credit information to support
-To develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds.
-To implement effective risk monitoring mechanism with existing clients