Regional Credit Manager - LAP - Bank

Key Responsibilities:-

- Managing overall credit and risk functions for the region.

- Responsible for processing and underwriting of LAP deals as per credit policy.

- Maintaining defined TATs for approval.

- To facilitate business team achieve monthly/annual business targets.

- To ensure adherence to credit policy and defined processes, TAT management, PD management, CAM quality and Fraud Risk Management.

- Inputs for designing and implementation of credit policy and programmes, new initiatives, periodical changes in credit policy and programmes based on the inputs provided by sales team and market feedback, providing inputs on product and policy being followed by competitors in the market.

- To maintain the portfolio Quality.

- Responsible for collections, delinquency and NCL management.

- Responsible for PDD monitoring and collateral management.

- Coordination with Operations team for disbursal and PDD process.

- Monitoring and management of different vendors viz. Legal Agency, Valuation Agency, CPV Agency, FCU Agency, ROC Search Agency. DSA empanelments.

- Vendor TAT management, Vendor Visits, Vendor payments.

- Hiring of credit resources as per manpower budgeting, attrition management and performance management.

- MIS management for the region.