POSITION SUMMARY: This position is National Head Credit (Secured loans) responsible for creating credit policy/ guidelines and setup credit team handling credit underwriting/appraisal of MSME (Mortgages) & Affordable housing segment. The role involves setup of the credit vertical - involving hiring of regional, cluster and city credit managers. We expect the candidate to have suitable experience in building and managing a credit team with good track record. KEY ACCOUNTABILITIES/ KEY RESPONSIBILITIES Credit Underwriting : - Design credit policy note/guidelines for MSME & Affordable housing segment - Define end-to-end credit underwriting workflow - Define automated credit rule engine to drive the credit decisions with minimal exceptions - Build internal credit scoring model by Liaising with Analytics team for NTB customers and ETB customers - Setup and Lead a team to handle credit underwriting independently - Define and handle documentation requirements comprising loan agreements, charge creation, EC, and Title deeds etc. - Processing of loan proposals within defined SLAs Portfolio Quality: - Should monitor KPIs and ensure portfolio quality through early warning signals. - Liaising with Risk team to get the requisite credit approvals Monitoring & Internal Audit Compliance: - Ensure adherence to policies and processes and appropriately address any possibility of fraud. - Ensure proper documentation and compliance by Liaising with internal audit team. Reporting & Analysis: - Ensure proper and correct reporting to the senior management. - Competition bench-marking w.r.t products offered and changing market dynamics People Management: - Complete ownership of recruiting, training, setting of KRAs and performance monitoring of reporting Team. - Manage and groom its team for future roles. - Ensure fair and consistent HR practices.

Hyderabad

Bharat Financial Inclusion - Credit Head - MSME & Affordable Housing 

Bharat Financial Inclusion - Credit Head - MSME & Affordable Housing  ,Job Description for Bharat Financial Inclusion - Credit Head - MSME & Affordable Housing  in Bharat Financial Inclusion Ltd (100% Subsidiary of IndusInd Bank) in  Hyderabad for (10-15) years of experience. Apply Now!

Job Description for Bharat Financial Inclusion - Credit Head - MSME & Affordable Housing  in Bharat Financial Inclusion Ltd (100% Subsidiary of IndusInd Bank) in  Hyderabad for (10-15) years of experience. Apply Now!