• POSITION DESCRIPTION JOB TITLE : Cluster Credit Manager GRADE : SM DEPARTMENT : Credit

LOCATION:
Cluster SUB-DEPARTMENT : Housing TYPE OF POSITION : Full-time REPORTS TO : Area Credit Manager REPORTING INTO Credit Officer
• ROLE PURPOSE & OBJECTIVE
• Expert knowledge of assessing credit risk for Home Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.
• Conduct income appraisal of salaried and self-employed borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
• Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• Provide Market intelligence from a competition and customer stand point
• Recommendations on new processes & fraud Control initiative etc
• Manage Credit Officer’s team
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Manage entire Area underwriting teams
• Handling portfolio from 50 Cr to 200 Cr
• Supervising the monthly disbursement of 60-150 files from the assigned area
• Productive TAT management by credit team
• Ensure to strengthen area credit team to include more responsibilities
• To manage direct and indirect team of close to 4-10 people.
• Involve in process reengineering, Audits, Policy change discussions etc.
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business
• Ensure Credit policy and process adherence in the Cluster.
• Co-ordinate with Legal & Technical Agencies.




• Guide/Monitor Credit Officers of the cluster.
• Ensure timely training to branches in the cluster.
• Suggest Policy revisions in line with changing market conditions. Customer
• Expert knowledge of customer segments in various markets of India and their performance histories.
• Expert knowledge of negative profiles, negative property types and negative property locations
• Complete understanding of various collateral types of all regions and cities in India and their title documentation requirements for creation of equitable mortgage
• Knowledge of property valuation process through vendors and knowledge & keen
• interest in monitoring current property price / historical property prices.
• Meet appropriate customers for understanding of their needs
• Conduct underwriting for cases under purview
• Pick up EWS for the set of clients in his area
• Maintain portfolio quality of the Cluster as per company norms.
• Monitoring and tracking of HL Loan cases.
• Maintain various standard MIS for HL Loan.
• Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies. Internal Process




• Appropriate Intervention to manage ground level risk effectively.
• Ensure adherence to RBI regulations on documentation and KYC compliance.
• LUC and periodic loan monitoring framework
• Provide Audit Compliance.
• Timely hiring of Credit Officer for the Cluster as per the budget Learning & Performance
• Maintain up to date knowledge of HL and other related products.
• Upgrade self and team about changes happening in the market.
• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
• Ensure on time appraisal and suggest suitable career paths for staff Note: Highlight only the critical baseline responsibilities; and not activities that the role holder might do on an ad-hoc/on-off case
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications
• Graduate or Post graduate (preferred MBA) from a reputed college. Experience(Years and Core Experience Type)
• Preferred experience of 4 years or more in Credit Home loans/Mortgage Loans/MSME Loans Loan products.
• Team handling is a must. Certifications
• NA Functional Skills
• Knowledge of Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts
• Business Analysis Skills
• Communication Skills. Behavioral Skills
• Team Management Skills
• Leadership
• Possesses good interpersonal skills. Competencies
• NA PREPARED BY: Credit Housing DATE: 30-01-2024 REVIEWED BY: Anand Devata DATE: 30-01-2024 LAST UPDATED BY: TM Team DATE: 30-01-2024

📌 Cluster Credit Manager (Jalgaon)
🏢 Ujjivan Small Finance Bank
📍 Jalgaon