Branch Credit Manager Secured & Unsecured Lending Business
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Grade
:
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Employment Type
:
All Employment Type
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Reporting to
Designation & Grade
:
State Credit Manager Secured & Unsecured Lending Business
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No. of Reportees
Designation & Grade
:
Credit Operations
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Main Tasks & Areas of Responsibility
:
- End to End Managing of Credit Shop at the Branches assigned
- Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
- To ensure FIRST TIME RIGHT of Logins at the branches and Disbursement dockets submitted to Central Operations.
- Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
- Own & resolve the early mortality delinquencies and NPAs from current sourcing and existing portfolio.
- To understand the competition policies regarding Micro LAP and Affordable Housing suggest improvements in our current policies & products.
- To liaison with Business Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning.
- To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
- To Retain existing live loan customers.
- To effectively liaison with law authorities for resolving conflicts if any.
- To Build a Quality and Profitable Loan Portfolio.
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Skills and Exposure
:
- A result oriented individual with Positive Mental Attitude with Integrity willing to put hardwork.
- Proven ability to Work under Pressure with regard to TAT
- Adherence to laid down credit policies and suggest improvements if any.
- Atleast 5 years experience in underwriting role with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone risk tools like Perfios Hunter Karza.
- Strong understanding of appraising proposals from Lower & Middle Income Customer Segments having worked in similar role in an Affordable Housing or NBFC with minimum 2 years of similar exposure.
- Excellent interpersonal and verbal communication skills
- Ability to Work & Deliver business targets under pressure
- Working knowledge of Collections/ Recoveries.
- Be Accountable for Portfolio Quality of the Location.
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Special Requirements (If any)
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Working knowledge of Affordable Home Loans / Micro LAP business exposure preferable.
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Job Location / State
:
Telangana Andhra Pradesh Tamil Nadu Rajasthan MP Gujarath Delhi Karnataka Rajasthan Uttar Pradesh
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Compensation Band
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As per policy
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Entitlements
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As per policy
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Stake Holders
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Should be able to manage multiple stakeholders and collaborate with State Zonal National teams