Credit Manager

Job Description

The Credit Manager will report to the Area Credit manager and be responsible for assessing Educational Loan applications from students and underwriting the same in accordance with the credit policy.

Responsibilities

1) Maintaining Credit Quality as desired by the Senior Management

• Managing respective vendors for maintaining quality and TAT for all verifications and validation
• Monitoring and doing consistent sample checks on verifications and vendor processes
• Meeting the loan borrowers and applicants for personal interaction based on the risk profile of cases.
• Preliminary screening of borrowers profiles for maintaining the input quality of credit system.
• First level document check for fraud prevention , data correction and information completeness.
• Managing Delinquency ratios
• Vendor Management
• Knowledge of Mortgage Industry and awareness of related risk
• Contribute to development of new techniques improvement of process and work flows by applying in-depth knowledge
• Develop recommendations to adjust credit policies by analysing credit and financial performance

2) Implementation of risk management tools, Initiate processes Improvement and Impart training :

3) Fraud Risk :

4)Relationship Management, Customer Service and Team management :

5) Personal Discussions (PD) with all Customers and Co-Borrowers

Skills

Qualifications and Experience

Job Location : Chandigarh