Regional Credit Head  Job Description :   - Regional Credit Head with credit sanctioning / recommending authority, responsible for risk analysis and credit underwriting of loans as per EFS Policy Manual/Circulars issued from time to time to micro and small enterprises (MSMEs), including Trading & Service Units in the designated markets.  - Leads a team of credit underwriters / managers, recovery managers and operations assistants in delivering quality service to both internal and external clients, within TAT standards.  - Works constructively with the Zonal Credit Head - to design new, customer-friendly product and service solutions in consultation with HO/Product Dept. as to gain market share and increase financial inclusion of the urban unbanked entrepreneurs.   - Has overall accountability for the credit quality of the EFS loan underwriting and portfolio, including the due diligence, on-boarding and monitoring of the portfolio.  - Is accountable for ensuring accurate and appropriate assessment of applicant's credentials as per EFS Policy Manual/Circulars issued from time to time.   - Is accountable for maintaining delinquency levels below target levels.   - Meticulously monitors and analyses the inherent and emergent risks in the portfolio and proactively suggests steps to minimize those risks.   - Monitoring Non starters and OD a/c and maintain the book size of advances with 0% NPA.   - Is the primary liaison with the internal Audit team, on all financial accounts and compliance matter.   - Leads his team of credit underwriters / credit managers in identifying cross-sales opportunities, by targeting new customers, identifying their needs and selling credit and fee based products.   - Provides effective leadership to the EFS credit team.  - Actively support in the training of Relationship Managers and Credit Underwriters.   - Any other related work entrusted from time to time including officiating in the position of Zonal Head Credit as per Instructions from Head Office/National Credit Head/CEO-EFS.  Candidate Skills Required :  - CA is Mandatory   - Exposure in Secured & Unsecured Loan - Personal Loan, Business Loan, Loan Against Property.  - Have a thorough knowledge of credit-related laws

Mumbai

Regional Credit Head - CA 

Regional Credit Head - CA  ,Job Description for Regional Credit Head - CA  in Career Catalysts in  Mumbai for (10-15) years of experience. Apply Now!

Job Description for Regional Credit Head - CA  in Career Catalysts in  Mumbai for (10-15) years of experience. Apply Now!