Role & responsibilities
To help manage the branch with help of Branch Manager
Enforcement and adherence of the company credit process and policy in the Branches for Secured Loans
Approval of Secured Loans
Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch manager
Hand holding of branches in initial stages for better understanding of processes including customer assessment, cash flow, CPV etc
Interacting with Branch Managers and Cluster Business Manager from risk and loss control perspective.
Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required
Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch CROs
Training: Training branch CROs regularly on credit policy and improvement areas.

Maintaining Balance while taking decisions relating to approval

Adaptability/ Accountability

Integrity & Valuing Diversity

📌 Credit Manager Kallakkurichi
🏢 Vistaar Finance
📍 Kallakkurichi