Credit Manager - BFS

- Knowledge of local markets and trends in retail lending

- Understanding of local business and micro economy

- Ability to work under tight deadlines and to prioritize conflicting and changing priorities

- Keen understanding and focus on risk, controls, compliance and regulatory framework

- Ability to liaise with internal stakeholders and cross-functional teams

- Strong customer focus and management of stakeholder expectations - Strong analytical & communication skills (written & verbal)

- Should be willing to adapt to digital tools and processes

- Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales

- Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD

- Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation& findings of PD

- Analyse all customer related information in line with credit & risk policy to check eligibility

- Understand actual business income& expenses(other than reported income) of customer

- Interpret results of financial analysis, banking analysis and bureau reports

- Study, analyse and interpret legal & technical reports of property and other internal check reports

- Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility

- Revert on post sanction conditions prior to disbursement based on queries raised by the team

- Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix

- Co-ordinate and communicate with different departments

- Maintain TAT as per guidelines

- Adhere to the policy/ process laid out by the Central team on all loan applications being processed

- Closely monitor on non-starters/first EMI bounce trends

- Ensure compliance on all aspects stipulated by company and regulatory committees

- Maintain and report various MIS to monitor portfolio performance and risk

- Continuously improve underwriting capability based on portfolio performance

Core Competency :

- Strong Management and Leadership Skills

- Lead by example with good team management skills

- Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence

- Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams

Team - Work & Collaboration - Fosters a culture of trust, collaboration and support

- Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback

- Innovation - Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success

- Customer Service Orientation