Area Credit Manager - Housing Finance

Position title: Area Credit Manager

Function: Risk Management

Grade:Manager II/ Sr. Manager - I

Location: Green Park, Delhi

Qualification: CA / Post Graduate in Finance

Experience: 3 - 7 years

Responsibility:

Oversee the under writing of the loans in the Hub region.

Evolve underwriting norms customized to the local market needs and update the U/W bulletins.

Work closely with the S & D team & support on offering innovative product offerings.

Liaison with the Underwriting Head at the HO and creates templates.

Review the underwriting process at Hub level.

Decision on IHLs cases based on PNBHFL policies, processes and merits of the case.

Approve projects in the hub region.

Forward request beyond the statutory limit to the HO.

Work closely with the CGM risk on builder financing approval related issues.

Manage external agents involved in the verification process.

Co-ordinate with the recoveries team and generate business insights.

Responsible for technical evaluation of properties in the hub region.

Formulate technical evaluation processes and policies in the hub region.

Manage the technical evaluation process across the organization.

Manage the legal evaluation process in the Hub region.

Responsible for fraud management and risk mitigation activities

Competencies:

High energy professional.

Technical & functional expertise

Strong analytical skills and rich experience conceptualizing financial strategy.

Experience of working in Mortgages & Working Capital are preferred