Posted By
Posted in
Banking & Finance
Job Code
136825
We have a job opening with one of our leading client in Mumbai.
JOB RESPONSIBILITIES:
Policy and Process Framework-
- Define, document and circulate Credit policy and process in accordance with ROC approved guidelines.
- Interaction with business and allied teams to incorporate changes.
- Track and react to external influence on portfolio- Bureau/rating agencies.
- Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices.
Portfolio Management-
Align / alter policies in line with –
- Loss forecast, track portfolio performance basis the loss plan
- Business forecast – balance the business and loss forecast, calibrate policies to achieve management numbers.
- Portfolio management activities – based on collection feedback.
- Identify and act upon various risk arising out of credit/process activities.
- Risk mitigation – bureau / rating agencies/collection reports to be reviewed
People / Team-
- Effective training and timely communication of policy changes
- Manage and supervise direct reports (if any)
Process / Quality Improvement-
- Process adherence as measured by audit ratings, FTR score and TAT are key deliverables.
- Quality as measured by delinquency, bounce rates and loss numbers are key deliverables
Expertise required/ Domain Knowledge:
- Extensive knowledge of Tier 4 and rural geography markets in unsecured and secured segment, rich on-field experience in underwriting.
- Exposure to multiple geographies and location specific considerations.
- Ability to take wholesome view and deduce patterns arising out of various actions.
- Flair for numbers and an ability to understand processes read balance sheets and understand customer business models.
- Systematic & Meticulous and Ability to perform under pressure.
- Good analytical & logical abilities and Good communication.
- High resilience, energy & initiative.
- Demonstrate core company values, including high integrity and ethics.
- Result / achievement orientation.
Key Product experience:
- Two-wheelers
- Unsecured PL & Business Installment Loan
- Small CV financing
- Rural Mortgages
- JLG product
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Posted By
Posted in
Banking & Finance
Job Code
136825