National Credit Head - BFSI (10-15 yrs)
Roles & Responsibilities:
1. Plan Credit Underwriting vision & outlook.
2. Create credit and underwriting policies & processes, infrastructure, development and deployment of underwriting models.
3. Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening initiatives to keep delinquencies under control while maintaining a balanced view of business profitability across various products and geographies.
4. Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
5. Reviews credit policies with business goals while being up-to-date on competition policies & practices.
6. Prepare Risk & Credit Decks on a monthly basis.
7. Represent the company to the outside world, including lending partners, board of directors & other strategic alliances.
8. Aim to optimise Credit Risk management to facilitate the business- expansion plans
9. Develop strong internal and external relationships
10. Responsible for ensuring sound understanding of credit policy across all relevant levels.
11. Product management: managing the product function, product design, portfolios & performance on branch and central level.
12. Product knowledge at market level & market segmentation is necessary.
Reporting to: Business Head
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