- Keen understanding and focus on risk, controls, compliance and regulatory framework
- Strong analytical & communication skills (written & verbal)
- Good client servicing skills
- Positive financial analytical skills, communication skills
- 4 to 8 years of relevant experience.
- 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.