Cluster Credit Manager - BFSI

KEY ACCOUNTABILITIES:

- Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required

- Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch team

- Credit Policy: Manage the changes in Credit policy as per market requirement to maintain healthy portfolio quality

- Training: Training branch credit team regularly on credit policy and improvement areas.

- Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area

People Management :

- Take constant feedback from the team to clear any bottle necks / solve any issues and ensure least attrition in the cluster

- Ensure Branch Discipline and monitor other routine issues

Professional experience:

- Experience required in Financial services preferably NBFC dealing with mortgage loans, housing loans, PL.

- Experience of managing/leading a team would be preferred