Key Result Areas (Max 1325 Characters) Supporting Actions(Max 1325 Characters)

Portfolio Management

- Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
- Quality is measured by delinquency bounce rates loss numbers RCR and File quality scores are key deliverables

Business & Financial Management

- Calibrate the capacity plan in line with business needs
- Identify and act upon various risk arising out of credit/process activities
- Risk mitigation- bureau/rating agencies/collection reports to be reviewed
- Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices
- Track and react to external influence on portfolio Bureau/rating agencies

Customer Focus

- Take decisions which are aligned to the management directive keeping customer in mind




- Bring in the efficiency in the system by enabling decisions being taken within defined timelines
- Understand the Prime LAP business in smaller towns say tier 3 4 markets

People/Team Management

- Effective training and timely communication of policy & underwriting standard
- Manage and supervise direct reports with continuous engagement on portfolio performance process controls and supervisory review
- Interaction with business and allied teams to incorporate changes

Robust interpersonal skills to manage team size of 10 risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

Productivity Management & Improvement

- Productivity and its management is the key deliverable
- Quality is measured by no of files managed on monthly basis
- Initiatives for improving the productivity at every level is also one of the key deliverables

📌 Area Credit Head (Lucknow)
🏢 Financial services
📍 Lucknow