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Head at PMS Consulting
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Regional Head - Credit - Housing Finance Firm (8-13 yrs)
Looking for Regional Credit Head in Housing Finance Company
- Strategize/Design/Develop/Review Credit policies, processes, products, delegation of authority for Affordable and Micro Housing Finance Markets alongwith Mortgages from risk management (Underwriting & collection) perspective, in line with industry best practices.
- In-depth knowledge of using the latest Technology for Credit Assessment including quantitative and qualitative tools for faster approval.
- Build up Good Quality Portfolio with Delinquency Paramaters well defined in advance
- Credit Approval for Proposals in line with Credit policy guidelines and credit delegation
- Conduct Personal discussion on a case to case basis (high value cases/subjective decision of cases)
- To manage, track and report various key risk indicators at the portfolio level with detailed Credit Analytics Report.
- Build up Credit Structure and Recruitment of Credit Resources as per the Business Requirements.
- Monitor and control early delinquency by conducting hind-sighting activities
- Develop credit processes to support smooth customer acquisitions, and monitor turnaround time in sanctions and disbursements.
- To monitor Payment Due Date for critical cases and ensure collection of the same
- To create & manage underwriting structure at locations - including CPA & vendors
- Impart Training to sales & distribution channels and other functions on policy and process
- Co-ordinate with Credit vendors to identify the risk / Frauds prevailing in locations and take measures to mitigate the same
- Prepare collateral policy in consultation with Lawyers and values understanding the market practices
- Do competitive bench marking of Credit Policy and credit processes from time to time
- Prepare the Management Decks including Detailed Portfolio Analysis and Credit Analytics for Findings and Future Development.
This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.
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