Regional Credit Manager

Location : Pune, JM Road and Hyderabad.

Notice Period: 0-90 Days

Qualifications

Chartered Account, Chartered Financial Analyst or MBA Finance

Experience :

8-12 years of related work experience in the financial services sector

Job description :

The Regional Credit Manager is a critical role managing Credit Managers at the location. The incumbent will lead the Credit underwriting and Portfolio quality management for the region and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the location.

Key roles and responsibilities :

Strategy :

Work with the National Credit Head in planning Credit Underwriting vision along with creating 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

Maintaining Credit Quality

- Managing respective vendors for maintaining quality and TAT for all verification and validation

- Monitoring and doing consistent sample checks on verification and vendor processes

- Meeting the loan borrowers and applicants for personal interaction based on the risk profile -and the value of the case.

- Preliminary screening of borrowers profiles for maintaining the input quality of credit system.

- 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 as well as business associates on a regular basis.

Relationship Management, Customer Service and Team Management

- Manage end to end credit approval process within agreed turnaround times (TATs) and be responsible for all underwriting decision, approvals, deviations and exceptions for the location

- 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 companys risk appetite

- Ensure the provision of ongoing training and that all employees are suitably skilled and 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

Skills

- Extensive Knowledge of Institutional loans preferably LAP and secured Business and MSME loans

- Hands on experience of Credit buying, Field credit processes, People management skills.

- Excellent communications abilities in English and the regional language

- Servicing ability in terms of processing TAT (Turnaround Time) and relationship management.

- Excellent interpersonal skills, Team player and Motivator.