Regional Credit Manager - Working Capital - Bank - CA

Roles and responsibilities:

CA is mandatory

- Oversee the underwriting of the loans (SEB) in East region

- Review the underwriting process at Hub level and define process as per available resources and branch requirements.

- Credit decision on working capital cases based on Bank policies, processes and merits of the case for limits beyond manager underwriting.

- Forward request for approval after reviewing the file beyond limit to the CSO

- Evolve underwriting norms customized to the local market needs and update the credit bulletins

- Identify fraudulent practices and mitigate risk through changes in policy and process

- Formulate and manage the technical evaluation process and policies in the hub region

- Formulate and manage the legal evaluation process in the Hub region

- Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation work closely with the CRO risk on builder financing approval related issues

- Co-ordinate with the recoveries team and generate business insights to mitigate risk

- Resource planning and management at hub for smooth running of operations