KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business:
- Manage if the Policies and Processes are effectively followed in the field by Distribution and Credit
- Train and Certify HV and GRT Person on Policy and Process revision
- Provide feedback about the Policy and Process based on the Field Understanding
- Conduct Area Surveys and Cross check as and when required
- Review the Negative areas regularly
- Rollout of current technology across all the branches
- Conduct GRTs/HV on sample basis to understand the ground realities.
- Identify and highlight issues / deviations in the field for necessary action
- Escalate field issues with respect to customers, field issues and competition
- Take necessary steps to Manage Good Portfolio quality while underwriting the loans
- Manage the data and reports are effectively used for managing team and Risk in the field
- Visit Overdue cases, understand the issues and prepare reports or case studies
- Follow up for collections in the early bucket
- Prepare action plan for critical Overdue cases for collections




- Initiate write-off of non-recoverable accounts as per the defined policy and process
- Supervise 6-8 Credit Officers in the field.
- Manage Internal and External Risk assessment is being done for all the branches
- Co-ordinate with Distribution team for effective utilization of the resources
- Provide Audit compliances timely for the internal and external audits
- Recommend credit policy changes based on field insights to the senior management
- Involve in Areas Surveys, Area Cross check and review of Negative areas
- Train Distribution and Credit on the policy and processes, new technology changes etc.
- Engage with Audit and Risk team to monitor credit risk and participate in audit closure meeting
- Escalate field issues and Manage actions are taken as per defined Penalty Matrix
- Manage healthy branch portfolio through regular follow-ups and visits with delinquent / critical clients
- Visit FTODs, Non-starters, and prepare act

📌 Cluster Credit Manager (Chennai)
🏢 Ujjivan Small Finance Bank
📍 Chennai