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 new 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 action for collection
- Execute action plan for high risk / poor scoring branches along with Distribution team
- Co-ordinate with other departments for effective risk management
- Supervise a team of 6-8 Team Lead and / or Credit Officers-IL at field
- Recruit good Officers and build solid Credit team in the field

Customers:

- Work with CRM and Branch Head for effective implementation of Credit Policies and utilization of resources in the field
- Engage with Branch Head and State HR for trainings and refresher trainings
- Work with Auditors, Audit Officers and Vigilance Officers for identification of deviations in the field and to take necessary actions
- Discuss with Customer and staff to Understand the Customer and Field staff requirements while framing the policies and processes
- Engage with customer and staff to understand the customer and field staff requirements while suggesting for changes in policies and processes




- Co-ordinate with Branch Head & Collections Officer for effective collections management
- Manage credit team provides good service to customers through efficient processing of applications
- Recommend the right product and loan amount to the right customer

Internal process :

- Manage adherence to all regulatory norms with respect to KYC & Documentation and Customer Selection
- Manage adherence to all internal policies & processes with respect to Credit
- Manage approvals in field are within defined Credit TAT of Group Loans
- Manage that the Issues and deviations are escalated appropriately to the concerned department and supervisors
- Highlight system risks associated with branches / areas
- Report/ Escalate critical issues at field in IDM / Risk Review
- Manage appropriate action against non-starter loan originators
- Manage timely & accurate submission of daily, weekly & monthly reports

Learning & Performance:

- Train and handhold Credit Officers, CRMs and Branch Head.
- Monitor daily performance of the Credit Officers
- Monitor performance of staff against defined goals/metrics and take corrective action
- Manage goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees
- Manage adherence to training man-days/ mandatory training programs for self and reportees
- Manage overall staff satisfaction as per Great Place to Work Survey
- Manage timeliness & discipline among team & cordial relationship with IL Team
- Identify training needs to support the business and Provide the training with good resources
- Manage necessary feedback is given to team on regular basis.

📌 Cluster Credit Manager - MB & RB (Chennai)
🏢 Ujjivan Small Finance Bank
📍 Chennai