Role Profile
Lead - PDD & Credit Compliance

ROLE SPECIFICATION
Role Title
Lead - PDD & Credit compliance
Employee Interviewed

Reports To
National Credit Head-SULB
Company
Muthoot Fincorp Ltd
Function/Department
Credit
Location

Written By

Approved By (Functional Head)

Date (Written On)

ROLE SUMMARY (PURPOSE)

Own the entire PDD lifecycle across LAP, HL & other secured products. Build policy, process, and team to ensure 100% compliance on post-disbursal documentation. Minimize legal & audit risk by closing PDD items within RBI timelines and strengthening enforceability of security.

ORGANIZATIONAL CHART
National Credit Head-SULB

Lead - PDD & Credit Compliance

KEY RESPONSIBILITIES

PDD Policy & Governance
Define PDD framework: What can be post-disbursal, max timelines, critical vs non-critical classification Set product-wise PDD matrix: LAP needs MODT, RM, ROC, insurance and other documents. HL needs mortgage, MODT, RM, tripartite, occupancy certificate and other documents. Align with Credit Policy, Legal, Risk, Compliance.



Get Credit Committee approval for changes Review policy quarterly based on audit findings, RBI circulars, NPA root cause

Portfolio Monitoring & Control
Own pan-India PDD MIS: Ageing >30/60/90/180 days, branch/RM/state wise, doc type wise Set targets: 90 days, Zero critical PDD >180 days Drive closure: Weekly war-room with Sales, Credit, Ops heads. Escalate to Business Head/Head – Credit/CBO Design incentive linkage: Hold 20% of RM incentive if critical PDD pending >60 days

Credit Compliance
Pre & Post Disbursal Pre-disbursal compliance check: Sanction vs policy.
Post-disbursal audit: Sample 20% files monthly. Check if conditions met, docs executed correctly, disbursement memo matches sanction Regulatory compliance: KYC, CKYC, PMLA, Fair Practice Code, RBI digital lending norms, RERA, SARFAESI docs Deviations monitoring: Track all deviations approved. Trend analysis for policy correction

Compliance & Audit Management
Ensure RBI compliance:

📌 Lead Pdd (Chennai)
🏢 Muthoot Fincorp
📍 Chennai