· Keen understanding and focus on risk, controls, compliance and regulatory framework
· Solid analytical & communication skills (written & verbal)
· Good client servicing skills
Good financial analytical skills, communication skills
· Evaluation of proposals put up for recommendations / approval as per credit policy
· Regular functional training for business team & credit team across retail & LAP products
· Responsible for peer-review process in underwriting & field visit review process in sampling to ensure that the credit mechanism is robust and scalable
· Responsible for publishing Branch credit quality scores and red- reports to the senior management team based on the inputs from underwriting & credit intelligence team.
· Responsible to monitor construction completion for fully disbursed cases in retail loan to comply with regulatory norms.
· Analysis of regular bouncing customers to identify the lead indicators of portfolio stress and provide suitable inputs to the senior management team to fine tune the credit policy
Follow-up on bounce collection through branch and business team to ensure zero delinquency.