Credit Manager – Branch Channel. Secured & Unsecured Lending Business
3
Grade
:
D1
4
Employment Type
:
All Employment Type
5
Reporting to –
Designation & Grade
:
State Credit Manager – Secured & Unsecured Lending Business
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No. of Reportees,
Designation & Grade
:
Credit Operations
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Main Tasks & Areas of Responsibility
:
- End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing center for All Branches Across India.
- Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system.
- Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio
- To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations.
- Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs .
- Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system.
- To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation.
- To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
- Continuously work on process improvements with PAMAC and Branches .
- To effectively liaison with law authorities for resolving conflicts if any.
- To Build a Quality and Profitable Loan Portfolio.
8
Skills and Exposure
:
- A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work.
- Proven ability to Work under Pressure with regard to TAT
- Adherence to laid down credit policies and suggest improvements if any.
- Atleast 5 years experience in underwriting role, with at least 3 years unsecured Lending experience in small mid ticket loans. Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable.
- Solid understanding of appraising proposals from Lower & Middle Income MSME Customer Segments
- Excellent interpersonal and verbal communication skills
- Ability to Work & Deliver business targets under pressure
- Working knowledge of Collections/ Recoveries.
- Be Accountable for Portfolio Quality of the Location.
9
Special Requirements (If any)
:
Working knowledge of small ticket unsecured Business loans preferred.
10
Job Location / State
:
Chennai /TN.
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Compensation Band
:
As per policy
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Entitlements
:
As per policy
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Stake Holders
:
Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams