Credit Controllership Hindsighting of EL (LAP) SLI Loan files:-
Selection of 100% LAP loan file sample as per set process & various trigger noted basis on various set of data/industry standards.
Review of 4 loan files on a daily basis for 15 working days in a month based on the detailed hindsighting checklist & update query/observations in the said format in crisp and unambiguous manner.
Co-ordination with EL (LAP) & SLI credit team for proper response on the hindsighting query/observations being shared monthly.
Explicit understanding of credit policies & processes for drafting proper queries within given TAT.
Ensure the regulatory norms are followed and any gaps to be highlighted immediately to respective team to resolve any issues on priority.
Monthly regular reviews with reporting managers pertains to queries to be finalised as hindsighting observations.
Preparation and sending Draft Hindsighting & Final Hindsighting Report to PAN India Credit team as per the guidelines stated in the relevant hindsighting process note.
Attending regular meetings with senior management as & when required to share key insights.
Scheduling Training sessions with credit team on quarterly basis to share the key finding and imbibe learning for better credit quality.
Quality Management in terms of Compliance, Statutory and Regulatory Audits