Key Result Areas (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated
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 Salaried / Self Employed market dynamics for STSL 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

Solid 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

📌 Area Credit Manager Dehradun
🏢 Financial services
📍 Dehradun