Job Title : Credit Policy - Micro loans Location : Mumbai JOB PURPOSE: - Primary accountability for the definition and adherence to credit policies for Micro loans (mix of Rural LAP and Micro Loans) lending products - Focus on creating an industry-leading credit policy and digital on boarding/underwriting process to provide quick approval TAT for various Consumer Finance loans with an eye on market and competition PRINCIPAL ACCOUNTABILITIES: Credit decision making: - Review credit strategies, products, policies and procedures on a regular basis, and recommend amendments - Ensure clear communication and adherence of credit decisions to the sales network - Liaise with Compliance and Legal departments to ensure all relevant regulatory and governance requirements are met - Supporting learning and development programs for Credit Managers to institute culture of credit writing excellence, and for Sales team to ensure stringent sourcing - Implement departmental policies, systems, and procedure so that all relevant procedural/ regulatory requirements are fulfilled while delivering a quality and cost-effective service - Analyze various portfolio trends and bureau data for future trends for effective decision making - Effective interaction with business partners across functions including risk, technology, product management amongst others Credit Monitoring & Communication and reporting: - Ownership of portfolio quality and performance by continuously monitoring portfolio health - Work closely with Head for effective external communication and responding to any enquiries from RBI or any other regulatory / statutory body - Setup a strong portfolio governance mechanism and periodically review the same. Skills And Knowledge: Educational Qualifications - MBA finance or CA Relevant and total years of Experience: - 3+ and 7+ years in finance industry with proven track record of managing credit policies from design to implementation

Mumbai

Credit Policy Role - Micro Loans - NBFC 

Credit Policy Role - Micro Loans - NBFC  ,Job Description for Credit Policy Role - Micro Loans - NBFC  in Kairos Consulting India in  Mumbai for (3-7) years of experience. Apply Now!

Job Description for Credit Policy Role - Micro Loans - NBFC  in Kairos Consulting India in  Mumbai for (3-7) years of experience. Apply Now!