Director/Associate Director - Credit Policy - SME/Retail Finance

Title: Director/Associate Director of Policy

Experience: 10-20 Years

Location: Bangalore

JD : 

Policy Formulations : 

- This would include framing of new policies for SME lending space and Retail Lending as target defined by the management as well as rolling out amendments to the existing product policies keeping in view the market realities, business needs as well as feedback received from various quarters.

- Interaction with business and allied teams to incorporate changes. Track and react to external influence on portfolio- Bureau/rating agencies. 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 Reviews : 

- This would include Pan India Portfolio Reviews as well as Regional & Location-based Reviews. 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.

Credit Reviews : 

- This would include doing good bad analysis - picking up good & bad files & analysing what went wrong and what was done correctly in those cases and ensuring the feedback goes back to the ground level sales & credit teams. Process adherence as measured by audit ratings, FTR score and TAT are key deliverables.