Core Responsibilities:
- Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team.
- Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
- Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
- Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities.
- Study , Analysis & interpretation of legal & technical reports.
- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
- Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA)
- Effectively Manage & upskill Credit Managers /CPA along with allocation of workload.
- Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
- Audit Compliance on all aspects stipulated by corporate office and regulatory compliance.
- Vendor Management – Vendor Empanelment as per business requirement & vendor Review on periodic basis.
Various MIS as per the requirement of Corporate office.
Desired Experience: Minimum 6 to 8 years in the field.
Graduate : Yes Masters/Postgraduate: Yes Certifications: CA