(02 / 10 / 2025) 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