Regional Credit Manager - NBFC/Micro Finance

Position : Regional Credit Manager

Location : Kolkata & Andhra Pradesh (position-one in each state)

Qualification : CA / MBA

Experience : 10 - 15 years from a reputed NBFC/ Micro Finance Company

The incumbent needs to enable a clear focus on the credit function servicing, Vehicle, HL & LAP products.

Key Responsibilities / Functions :

- Due Diligence and credit risk assessment of the segment proposal

- Establishment of policies and procedures for operational & functional control across the company network and ensure staff orientation and sound implementation.

- Lead and manage a team of Branch Credit Managers, Regional Credit hub team, credit officers and credit intelligence team

- Hold responsibility for implementation of high standards of internal control and procedures in order to safeguard the institutions operations assets and data.

- Define a risk-based approach to identifying, monitoring, measuring and reporting various types of Credit/operational and market risks and liaise with the related

- Responsible for publishing Branch/Region credit quality scores and red-alert reports to the senior management team based on the inputs from the credit intelligence team.

- He is also responsible for delivering high quality sampling feed-back through the credit intelligence team within the agreed TAT

- Ensuring that the necessary back office IT, administrative and control systems are in place

- Regular Credit Risk Portfolio Monitoring and Collateral Management/Monitoring for checking and controlling on Frauds/Delinquencies.

- Analysis of regular bouncing customers to identify the lead indicators of portfolio stress and provide suitable inputs to the senior management team to fine tune the credit policy

- Follow-up on bounce collection through MFI branch team to ensure zero delinquency.

- Responsible to revert on internal audit observations pertain to the region.

Contact Details : Interested candidates to share their resume clearly mentioning their current and expected CTC.