National Credit Manager - BFSI

1: Job Purpose Statement (Summarize in one/two statements why this job exists and the contribution makes to the overall business of the company).

To review and overview the Credit appraisals and Underwriting of all LAP cases PAN India. He will also be responsible for Analyzing and Managing portfolio risk and maintaining portfolio.

2: Duties & Responsibilities (List in the order of importance the duties & responsibilities of this job)

- Credit Underwriting and Loan Appraisals of all LAP Cases PAN India.

- Decisions on the cases sent by branches.

- Monitoring the portfolio quality on regular basis.

- Business and collection review with the team.

- Personal Discussion with customers/DSA of High-Ticket cases in locations.

- Weekly/Monthly Review of TAT of all LAP PAN India.

- Monitor the quality of appraisals done by local credit manager at branch location.

- Recruitment of credit managers in new locations.

- Training all the new joiners (sales & credit).

- Visit to Delinquent customers to understand the credit learnings.

- Visit to existing customers to understand their current business and assess the PD done by local credit managers.

- Review the product policy once in 6 months and update to mitigate risk in portfolio.

- Conduct audits at locations to understand the credit underwriting and appraisal quality of local credit.

- Recruitment of Vendors PAN India as per requirement.

- Regular review of process at all locations and understand the gaps/risks in process flow of loan execution.

- Responsible for all quality initiatives of LAP department such as driving Kaizens in the team and executing quality related projects.

- Develop new loan products which suit the requirements of customers and maintain compliance.

- Resolve and guide all queries of credit team in regular operations.

- Appraisal of credit team of their KRA's every quarter.