National Credit Manager - Education Loan

National Credit Education Loan

Hiring for Financial organisation

Designation : National Credit Manager

Base : Mumbai

Reporting to : Head Credit Unsecured Loan

CTC : 40 lacs

Job Description :

- Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled and risks are mitigated while delivering a high quality service to customers

- Liaise with the Product Head in order to contribute to the design of new products and advise on roll out of other products

- Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT

- Employ tools such as automation and digitization to increase process efficiency

- Conduct detailed analysis of delinquencies and recommend changes to the product teams

- Ensure the successful adoption of internal compliances & regulatory framework across the business

- Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation

- Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing

- Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank's credit policy