RC - Cards Credit Officer - NPC
INTERNAL USAGE:
No. of Vacancies:Reports to:Manager
Is a Team leaderNTeam Size:NA
Grade:AM/DM/M
Business:UnderwritingDepartment:Retail CreditSub-Department:Centralized underwriting
Location:Mumbai/Noida/Hyderabad/Bangalore/Chennai
About Retail Credit
The 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 valuable portfolio quality and for ensuring smooth credit appraisal processes
AbouttheRole
The Cards Credit underwriting officer manages core underwriting for credit card, Underwriting will be for different channels like affluent , retail , partnership , secured products etc .
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

Qualifications

Graduate / Post- Graduation (MBA/ CA preferred)

Fresher or Experience in retail credit

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

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

📌 RC - Cards Credit Officer - NPC (Ghatkesar)
🏢 Axis Bank
📍 Ghatkesar