Regional Credit Manager

Responsible for the region’s mortgage loan portfolio, should handle both products prime SBL and prime HL seamlessly.

Manage a team of credit managers & ensure team adheres to credit policy, processes, and needs to handle transactions that comes under the purview of RCM as per the credit authority delegation matrix.

SECTION III : KEY RESPONSIBILITIES / ACCOUNTABILITIES

Strategic / Managerial Responsibilities

• To lead a team of credit managers to ensure building quality portfolio and manage delinquency.

Understands the KPIs / goals and takes full accountability to deliver for the region & overall team performance.

To understand the management goals & align / drive the team towards the target.

To control operational and credit cost. Rationalize various components of cost viz. CPV, CPA, Valuation etc. Initiative on cost saving taken on FI waiver, per FI cost, Valuation etc.

To underwrite cases keeping in mind the Bank’s risk policies, risk appetite and quality of portfolio to be maintained.

Ensure faster delivery within TAT and with satisfaction of customer requirements.

To adhere Yes Personality and policy of the bank.

Core Responsibilities

Ø Monitoring of the portfolio, analysis of delinquent cases.

Ø Profiling of customers with data cuts.

Ø Highlight early warning signals

Ø Reviewing QM cases & thereby sharing the learnings to the team.

Ø Basis review to arrive with a definite corrective action plan.

Ø Executive corrective action plan with all control measures.

Ø Track deviations and correlate between deviations & delinquency.

Ø Review PAR observations with close coordination with PAR team and training to credit managers on hygiene items.

People Management or Self-Management Responsibilities

Risk and Internal Control Responsibilities