RC - Area Credit Manager - Mortgages Credit

RC - Area Credit Manager - Mortgages Credit

INTERNAL USAGE : No. of Vacancies :

Reports to :

RCM

Is a Team leader

Team Size : 5-7

Grade : M / SM / AVP

Business : Underwriting

Department : Retail Credit

Sub - Department : CPC

Location : About Retail Credit

The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes

About the Role

Area Credit Manager is Team Leader Role with CPC Credit underwriting managers reporting. Ensure smooth functioning of Credit Processing Centre, which is responsible for processing and underwriting of Centralised & Decentralised Files.

Key Responsibilities

• Monitoring Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products at desired levels.
• Ensure the quality of proposals and credit appraisal to minimize delinquency.
• Ensuring compliance of Audit & Compliance reviews.
• Ensuring quality of Data entry with minimal error ratio and non-repetition of Audit Observations.
• Periodic Training, policy feedback, vendor management, participation in pilot runs / testing etc.
• Stakeholder management. Regular meeting with competitors, analyse market feedback from different stakeholders to benchmark the competition.
• Idea generation for new projects for process efficiency and cost saving.

Qualifications

Optimal qualification for success on the job is :

Graduate / Post- Graduation (MBA / CA preferred)

Experience in retail credit with team handling.

Role Proficiencies :

For successful execution of the job, the candidate should possess :

Knowledge of credit, industry and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language

Skills Required

Refer to the Job Description