Axis Bank - Area Credit Manager - Retail Credit

- Lead the credit team in the location to manage the credit underwriting process, by ensuring adherence to the standard process, turnaround time and decision consistency

- Ensuring the quality of proposals and credit underwriting to minimize delinquency and build portfolio of expected quality.

- Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions.

- Improve the process efficiency and risk management system by being a part of various new initiatives and projects

- Conduct strategic planning and execute project management in the assigned location

- Conduct data analytics, portfolio management and implement corrective measures based on the data provided by BIU team.

- Coordinate with the internal audit team for the concurrent audit & IAD audit

- Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

- Maintain the Customer escalations within the desired levels for the location

- Share information and feedback about the policies, market factors and local practices to the central team to support policy development and review

- Ensure timely completion of key deliverables and adherence to processes and policy by the team

- Motivate and direct the underwriting team through feedback and grooming to help them perform as per expectation

- Recognize the key performers and create their career progression plan

- Provide regular updates on all key activities to regional manager

- Conduct manpower planning and ensure staffing requirements are met