Fullerton India - Assistant Vice President - Central Underwriter - Invoice Financing

- Good understanding of product parameters, processes and related guidelines, documentation processes, forms and guidelines for invoice financing and related working capital loans.

- Analysis and approval of invoice financing cases.

- Expertise in writing appraisal note and eligibility calculation w.r.t invoice financing.

- Conducting personal discussion with prospective clients.

- Manage and monitor portfolio quality. Undertake periodic portfolio and collection reviews for the business and monitor the branches on triggers & NCL lines.

- Provide functional support on all credit matters to business teams.

- Undertake monthly reviews based Portfolio MIS.

- Partner the business team in identification, market selection and sales zoning from a credit risk perspective.

- Provide credit decisions for proposals above branch approval authority in terms of exposure limits and deviations

Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and area.

- Monitoring and control of product delinquency / NCL. Also monitor the same on monthly basis.

- Enable credit training for Territory/Cluster / branch approvers/officers on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes.

- Enable/Control credit delegations and approval authority for underwriters.

- Support & coordinate with training team for Credit Related modules.

- Work closely with Policy, Business and Internal Audit team.

- Interaction with various support groups including IT to initiate/review systems/processes

Key Performance Indicators :

- Help in achieving business targets

- Underwriting good quality book

- Continuous improvement in underwriting process.

- Controlled CI ratio for unit.

- Control delinquencies (DPD)

- Achieve recovery target

- Have a continuous employee engagement resulting in increase in employee satisfaction and retention.

- Design training modules to ensure policy and processes training is easily understood by the officers to discharge their responsibilities and handhold /mentor them to deliver

- Provide support in hiring to be done for Risk Team. Control regretted attrition.

- Implement sound portfolio management process to manage portfolio across the branches

- Implement process adherence across branches reflected through audit and quality check

- Frauds including employee frauds under control