Credit Saison - Zonal Credit Manager - Personal Loan Segment - West

About Credit Saison:

A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTech's, and NBFCs. Credit Saison India ("CS India"), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company- Credit Saison Co. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management ("AUM") of US2bn in record time.

More about us on https://www.creditsaison.in-

Job Description :

1. Driving the credit practice for our PL segment within the defined risk philosophy of the company

2. Leading the team of credit managers to ensure due diligence in credit analysis, deviations management, evaluation, underwriting and sanctioning of loans. Set-up standard approach of credit through hindsighting practice

3. Set-up and lead the team of credit managers for managing day to day credit approvals under our PL vertical, drive towards assessing creditworthiness of the borrowers by using data points available along with adherence to the defined Credit policy checks

4. To ensure Audit compliance and regulatory compliance in the overall PL credit process substantiated through right eligibility calculations in CAM

5. Interact with the channel partners to gather business trends and developments; Implement good practices and share early warning trends with teams

6. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products

7. Working in sync with the data analytics and policy team to proactively contribute towards real time calibration of credit policies

8. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required

9. Keep and promote razor sharp focus on the delinquencies that may come up in our lending programs. Key aspect shall be to recommend changes in our credit policies/process/practice as a learning from the delinquencies.

10. Promoting the culture of team-work within the team, also ensure to continuously upgrade the skills of our credit managers with credit, market and industry intelligence