Hinduja Housing Finance - Cluster Manager - Credit & Operations - Walkin

Walkin Details :

SPOC - Amit Gupta - 9004363704

Venue - Mumbai Office

Naman Midtown

1504, 15th Floor, Next to Indiabulls Finance Centre

Senapati Bapat Marg, Near Tilak Bhavan

Elphinstone Road

Mumbai - 400013

Job Title/Grade: Cluster Manager-Credit and Operations

Department: Credit

Grade: 3A

Reporting To: Regional Manager-Credit and Operations

Location : Titwala(Mumbai), Virar-Palghar(Mumbai), Dadar(Mumbai), Belapur(Mumbai), Panvel(Mumbai), Nashik.

General Job Responsibility :

- Managing Credit and Operations for Home Loans of the Region.

- Credit appraisal as per policies, procedures, and credit underwriting guideline.

- Maintenance of TAT, Compliance, policies and procedures.

Principal Accountabilities :

a. Strategic

- Customer Application Screening, KYC and Income documents as collected by SO for login.

- Initiate legal, valuation, CIBIL and other verification reports

- Interpretation of Credit Bureau Report

- Analysis of Bank Statements and other relevant documents for income assessment.

- Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes

b. Tactical

- Co-ordinate with SO for post approval activities like Loan documentation check, Sanction conditions adherence, PDC and NACH forms accuracy and send the file to HO for disbursements.

- Responsible for tracking and collecting all Post Disbursed Documents including Loan Closure letters on takeover, Collecting Sale Deeds for new purchases and sending to HO.

- Responsible for PDC/NACH replenishment to ensure regular repayment of EMI.

c. Supervisory

- Ensuring operations are running in a streamlined fashion leading to best customer experience and enabling a motivating environment for staff across the network of Dialysis Units.

- Leading the Centre Managers / centre staff and guiding them to achieve operational excellence for their cluster of centres, counselling them, coaching them and ensuring they do their job well.

- Identifying targets and reviewing & evaluating performance, identifying & addressing deviations & its relevant causes.

- Ensuring adherence to quality standards in the unit operations.

- Implementing the Performance Appraisal Plan for the staff, Finalization of KRAs, Evaluating & providing feedback. Enabling the employees development by specifying their job competencies & through training.

- To optimize expenditure by cutting costs and enhance profit margins.

Person Profile :

a. Educational Qualification

- Graduates and CA or MBA/PGDM - Finance

b. Experience

- 1-5 yrs experience in Credit Operations and Credit underwriting.

- Preference will be given to Banking & NBFC industry candidates

c. Specific Skills

- A High Level of Professionalism.

- A Passion for Building and Growing Relationships

- Ability to Gather Feedback and Provide Innovative Insight

- Leadership & People management- Influencing people, Teamwork.

- Employee development, openness and transparency.

- Good knowledge of administration.

- Total Quality Management & Process Improvement.

- Interpersonal Relations- Team work, Effective communication, Positive & Empathetic attitude, Presentability

- Personal Effectiveness- Excellent written and oral communication, Positive and Empathetic Outlook, Initiative and Commitment.

- Work Ethics- Ensuring Process and Protocols are maintained, Focus on Learning and continuous improvement, Achievement Orientation.