RC - Centralised UW - Regional Credit Manager - NPCINTERNAL USAGE:No. of Vacancies: Reports to:NCMIs a Team leader?YTeam Size:8-10 Grade:SM/AVPBusiness:UnderwritingDepartment:�Retail CreditSub-Department:Centralized underwritingLocation: Mumbai/Noida/Hyderabad/ChennaiAbout Retail CreditThe Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processesAbout the RoleThe Cards RCM will be team leader role where all managers will be reporting to them. Core job will be to manager underwriting function and all supporting activities , grooming managers for leadership role.Key Responsibilities� Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.

� Turn around time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.

� Early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.

� Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted.



- Based on Internal & Concurrent audit conducted & Report submitted

� Training, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products. Feedback from Head Credit - & Other stake holders will be the source.

� Stakeholder management

� Idea generation for recent projects for process efficiency and cost saving.

� Handling entire processing centre.

� Manage attrition

QualificationsOptimal qualification for success on the job is:

� Graduate / Post- Graduation (MBA/ CA preferred) for good institute

� Experience in retail credit with team handling.

Role Proficiencies:For successful execution of the job, the candidate should possess:

� Knowledge of credit, industry and product trends

� Knowledge of regulatory guidelines and norms

� Good communication (both verbal and written) skill in both English and the local language

� Team handling experience

Refer to the

📌 RC - Centralised UW - Regional Credit Manager - NPC (Mumbai)
🏢 Axis Bank
📍 Mumbai