Regional Credit Manager

Pravritti Consulting Services
  • Pune
  • 10-20 lakh
  • 6-20 years
  • 358 Views
  • 04 Aug 2015
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  • Risk Management

  • Banking - Retail, NBFC, Banking - Corporate
Job Description

RESPONSIBILITIES

Lead and manage a team of Area Credit Managers, Branch Credit Managers, Regional Credit hub team, credit officers,and credit intelligence team

Train the underwriting team to ensure high quality credit appraisal of loan proposals within the agreed TAT. Similarly he is also responsible for delivering high quality sampling feed-back through the credit intelligence team within the agreed TAT

He is responsible to oversee the functional training of MFI business team & credit team across retail, General HF & LAP products for certification & re-certification

Responsible for peer-review process in underwriting & field visit review process in sampling to ensure that the credit mechanism is robust and scalable

Responsible for publishing Branch credit quality scores and red-alert reports to the senior management team based on the inputs from underwriting & credit intelligence team.

Follow-up of part-disbursement cases in MFHF & HF, with aging more than 180 days from the date of first disbursement to convert them to EMI mode

Responsible to monitor construction completion for fully disbursed cases in MFHF & HF to comply with regulatory norms.

Analysis of regular bouncing customers to identify the lead indicators of portfolio stress and provide suitable inputs to the senior management team to fine tune the credit policy

Follow-up on bounce collection through MFI branch team to ensure zero delinquency.

Responsible to revert on internal audit observations pertain to the region.


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Pravritti Consulting Services