National Credit Manager - Consumer Durable/Personal Loan - Bank/NBFC

Job Description :

- Responsible for developing credit appraisal guidelines and monitoring framework for consumer durable / PL

- Develop credit appraisal guidelines using an analytical framework of different scoring models

- Achieve homogeneity in credit decision by moving a majority of logins through Business rule engines

- Design and formulate programs/policy changes to enhance growth and profitability of the consumer Durable / Personal loan portfolios

- Implementation of robust credit process to improve credit quality and improve product profitability

- Work with stakeholders in areas pertaining to product enhancement, policy changes, marketing offers, campaigns, pricing, process improvements etc.

- Work with product heads to reach untapped customer segments, strengthen product portfolio and help mitigate margin compression

- Develop comprehensive process flow for CD/PL business, Early warning triggers and portfolio management

- Analysis of financial statements and performance review of the same and checking the rating of the individuals given by CIBIL & matching the same with alternate (non-traditional) database

- Responsible for the compliance to procedures laid down for processing, sanction, documentation and disbursement of CD/PL portfolio

Candidate Profile :

- 12+ years experience in CD/PL credit risk space with bank of repute / NBFCs

- Knowledge of regulations around retail finance

- Ability to derive industry insights & analyze best practices across industry

- Ability to analyze the portfolio risk and to deal with big ticket customers

- Strategic and analytical thinking

- Strong communication and interpersonal skills

- Problem solving and decision-making skills

- People Management & Networking skills