Credit Manager - Rural Banking

Reviews/recommends credit proposals to appropriate higher authorities/credit committee and helps them in decision making.

- Adheres to the key parameters like Productivity, Cost etc, and ensures targets are met as per agreed by the Unit Head.

- Ensures portfolio quality, reviews policy, process and portfolio, and suggests corrective action.

- Maintains superior underwriting standards.

- Propagates usage of digital channels to ensure underwriting is done in effectively and in lease possible TAT.

- Clears up all audit queries within the acceptable time frame.

- Identifies technological changes required in the overall underwriting system and get the necessary efficiency built up through respective team.

- Manages all Escalation and responds to the relevant stake holder.

- Develops a continuous talent pipeline for key roles in the department and provides mentoring for high potential talent in the team.

- Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the department.

- Develops talent within the department by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.