National Credit Manager - Gold Loan

National Credit Manager - Gold Loans

- The Role is to lead Underwriting team for Gold Loan to the salaried and Self Employed segment including underwriting digital financing products and overall portfolio monitoring.

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

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

- 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

- Continuously improvise underwriting capability based on portfolio performance

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

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

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

- Fulfilling the credit training needs of entire business and credit team

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

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

- Understanding of risk associated with Gold loan lending

- Ability to understand economic /industry cycles

- Knowledge and experience of having dealt with banking product and documentation

- 10+ Experience in gold loan Industry preferably in bank

CTC - max from 30 to 45 lacs ONLY