Chief Manager - Credit Policy | Consumer Durable Loan

Role & responsibilities :

• Formulating and implementing policy, procedures & guidelines for the  Consumer Durable Loan  credit appraisal
• Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms
• Analyzing the market trends / practices and benchmarking of policies with the market
• Establishing a robust Credit Analytic Frameworks to identify early warning signals, credit risk process inputs and customer segment wise risk factors
• Ensure that data integrity is maintained and meet all ISO process standards as per the organization's credit policy
• Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
• Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis
• Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team
• Manage the interface with External / Internal Auditors; Design controls to meet all regulatory & internal requirements
• Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
• Assist in developing and implementing training programs to improve the quality and productivity of the team

Job Requirements :

Skills Required

Process Management, Decision Making, Benchmarking, People Management, Interpersonal Skills