Hiranandani Financial Services - Cluster Credit Manager

- Oversee the underwriting of the loans in the designated region.

- Lead a team of Credit Managers at a Cluster Level.

- Review the underwriting process and define process as per available resources and branch requirements.

- Credit decision for secured on organisation policies, processes and merits as per limits.

- Evolve underwriting norms customized to the local market needs and update the credit bulletins.

- Identify fraudulent practices and mitigate risk through changes in policy and process.

- Formulate and manage the technical evaluation process and policies in the region.

- Formulate and manage the legal evaluation process in the region.

- Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation.

- Co-ordinate with the recoveries team and generate business insights to mitigate risk.

- Resource planning and management at hub for smooth running of operations.

- Set exposure limits and maintain total sanctioned amount in the region for customer segments and geographical areas.