National Credit Manager - Gold Loan

1. Appraising proposals for Gold Loans sourced through RBL branch network or otherwise

2. Deploy credit policy which is aligned with business strategy and targeted customer segment

3. Develop various underwriting models using alternate data through AI/ML and build scorecards. Study, Analysis and interpretation of valuation and other check mechanism used in Gold loan lending

4. Continuously improvise underwriting capability based on portfolio performance

5. Actively partner with business heads and structure /arrive at customized solutions

6. Audit compliance on all aspects stipulated by Head office and regulatory compliances

7. Maintaining and reporting of various MIS to monitor portfolio performance and risk monitoring of loan accounts

8. Fulfilling the credit training needs of entire business and credit team

9. Leading, mentoring monitoring the performance of the team members to ensure efficiency in process and operations

10. Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance among team members