RC - Regional Credit Manager - Mortgages Credit

RC - Regional Credit Manager - Mortgages Credit

INTERNAL USAGE : No. of Vacancies :

Reports to :

ZCM

Is a Team leader

Team Size : 25 -30

Grade : SM / AVP

Business : Underwriting

Department : Retail Credit

Sub - Department : CPC

Location : Region specific

About Retail Credit

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

About the Role

Regional Credit Manager will be a team leader role wherein all Area Credit Managers would be reporting. Core job will be to ensure smoot functioning of credit Appraisal activities undertaken by Credit Manager & ACMs. Responsible for building a quality portfolio. Ensure underwriting adherence to the processes designed by the bank

Key Responsibilities

Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time as defined by the Bank Monitoring WIP.

Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality

Ensure timely completion of key deliverables, audit queries and adherence to the retail policy.

Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Driving Process improvements for increase in efficiency level and participation in pilot runs / testing of projects.

Support to new locations,products. Stakeholder management & Vendor Management.

Nurturing Credit team & Manage attrition

Qualifications

Graduate / Post- Graduation (MBA / CA preferred) from good institute

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

Team handling experience

Ability to handle Pressure and meet deadlines.

Skills Required

Refer to the Job Description