Cheif Business Officer Secured & Unsecured Lending Business
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No. of Reportees
Designation & Grade
:
7
Main Tasks & Areas of Responsibility
:
- Formulation of Underwriting Policies Process & Programs infrastructure development and deployment of underwriting models benchmarked to Competition with an edge.
- Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections
- End to End Accountability at the Pre-sanction phase of the loan and part of the loan life cycle post disbursement in case of delinquency.
- Prepare Risk & Credit Decks on Monthly basis.
- Highly Specialized role By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
- Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends risk assessment & mitigation thereof.
- To be a Business Enabler.
- Aim to optimize Credit Risk management to facilitate the business expansion plans.
- Liaison with Product Head to contribute to the design of new products and advise on roll out of other products
- To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
- Conduct detailed analysis of delinquencies and recommend changes to the product teams
- Ensure the successful adoption of internal compliances regulatory framework across the business.
- Coordinate with internal audit and regulatory audit regarding their various requirements.
- Collaborate with Collections to drive down the net credit loss & delinquency metrics.
- Review and approve credit proposals given.
- Responsible for ensuring sound understanding of credit policy across all relevant levels.
- Product knowledge at market level and market segmentation is necessary.
- Guidance to SME teams at Central Zone and States.
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Skills and Exposure
:
1. Leadership Skills
2. Strategic Planning
3. Analytical Ability
4. Credit Underwriting
5. Policy & Product implementation
6. Training & Mentoring
7. Attract and retain best in class talent for key roles.
8. Drive Cooperation with the credit technology analytics business and risk teams to ensure smooth functioning of business
9. Partner with Product & Policy team to bring out innovative products & to take inputs from Collections team to heal the portfolio by tweaking the policies for current sourcing.
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Special Requirements (If any)
:
Experience in handling a similar role in a NBFC/HFC at National role handling Micro LAP LAP andSecured lending.
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Job Location / State
:
Chennai
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Compensation Band
:
As per policy
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Entitlements
:
As per policy
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Stake Holders
:
Internal CMD CHRO Other HODs Subordinates withing Departments