Head - Credit & Operations - Bank

- Responsible to develop and maintain robust and effective credit and underwriting policies and procedures at the Group level.

- Responsible for development of policies for credit risks wrt lending, collection and provisioning.

- Provide oversight of all lending activities including credit evaluation, documentation, loan agreement creation, reporting and analytics,

- Develop and implement appropriate credit scoring models.

- Set up a strong organisation for all credit related areas at the corporate and branch level. provide leadership, motivation and encouragement to the team

- Responsible to develop and maintain operational policies and procedures across the organisation

- Responsible for high quality, cost effective and integrated operations throughout the organisation

- Oversee and enhance operational efficiency and effectiveness in service delivery

- Responsible for the attainment of long and short term operational goals

- Overall responsible for loan administration and monitoring (document processing and disbursement, repayment scheduling), collection and recovery

- Responsible for branch network and operations, documents processing and management

- Responsible for customer servicing through grievance redressal and resolving customers- queries

- Coordinate/ interface with Head of Sales & Marketing, CFO and Head of Technology

- Implementation of proper internal monitoring processes in his/her area of command

- Ensure good financial discipline as Head of Credit & Ops

- Setting challenging objectives and performance expectations from his team members and doing periodic performance appraisal. Set priorities and assure execution of commitments.

- Develop and train the subordinate staff in his/her functional areas, whenever needed

- Be knowledgeable on relevant legal requirement and procedures. Monitor overall compliances and keep track of changes in this area.

- Any other task assigned by the CMD

E. Required Qualifications and Skills:

- Bachelor's degree or equivalent combination of education and relevant experience

- Minimum 10 years of management experience in an NBFC/ Bank

- Preferably working in an auto finance company

- High Computer literacy

- Strong analytical skills with meticulous attention to details

- Good communication skills

- Ability to lead, supervise and train staff including organising, prioritising and scheduling work assignments

- Good stress management skills

- Team spirit (able to be part of a team and team leader as well)

- Ability to represent the company to external agencies