Regional Credit Manager - SME

Key Responsibilities:-

1. Managing the credit team for prompt and quality credit processing.

2. Recommending cases to higher level and / or approving as per the delegation matrix.

3. Participating in RM Memo Approval process.

4. To ensure adherence to credit policy and defined processes.

5. TAT management, Customer visit quality and TAT.

6. Fraud Risk Management.

7. Portfolio Quality and Monitoring of non starters, cheque bouncing trends.

8. Resolution of overdue accounts by coordinating with sales team.

9. Monitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits.

10. Coordination with Operations team for due/ ovedrdue PDD process.

11. Renewal/ review of cases in timely manner.

12. Hiring of credit resources as per manpower budgeting, attrition management.

13. Coordinating for training programs for credit team, imparting induction training.

14. Maintenance of various MIS & Data like approval and rejection ratio, disbursal data, PDC presentation data, portfolio indicators etc.

15. Market intelligence, providing inputs and feedback for policy and process improvement.

16. Empanelment of different vendors viz. Legal Agency, Valuation Agency, CPV Agency, FCU Agency, ROC Search Agency.

17. Vendor TAT management, Vendor Visits, Vendor payments and vendor reviews.

18. To maintain adequate knowledge of channels and their sourcing pattern.

19. To ensure Audit compliance and regulatory compliance for the region.