Regional Credit Manager - Commercial Lending

Strategy

- Closely work with the National Credit Head in planning Credit UW vision, co-create credit and underwriting policies & processes.

- Partner with location business head to develop a growth strategy for the company with emphasis on maintaining a healthy portfolio and minimal stress accounts/ NPAs

Credit Quality

- Manage empaneled vendors for maintaining Quality and TAT for all verifications and validations. Monitor verification and vendor processes by undertaking sample checks on a regular basis

- Meet borrowers and applicants for personal interaction based on the risk profile and case value. Ensure preliminary screening of borrowers profiles for maintaining the input quality of credit system.

- Undertake, first level document check for fraud prevention, data correction and information completeness

Implementation of risk management tools, Initiate processes Improvement and Impart Training

- Adherence to credit decisioning parameters as per Credit Policy on loan proposals

- Initiate new product and policy amendments based on local market experience.

Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite.

- Structured training to be imparted for both internal teams and business associates on a regular basis.

Relationship Management, Customer Service and Team Management

- Manage end to end credit approval process in line to agreed SLAs and be responsible for all UW decisions, approvals, deviations and exceptions for the assigned region

- Collaborate with recoveries and analytics teams in order to generate business insights to improve the credit appraisal process

- Identify and mitigate risk through regular portfolio monitoring and take timely decisions on exposure levels, collateral etc

- Effectively manage the location credit team and guide team members to take credit risk decisions aligned with the company's risk appetite

- Ensure the provision of ongoing training & that all employees are suitably skilled & qualified for their roles

Risk Management

- Ensure compliance with all relevant credit policies and procedures at the location

- Identify, analyze and propose mitigation measures for various risks applicable to the credit function at the location