Regional Credit Manager-Secured loan/HL/LAP
- Oversee the underwriting of the loans in the Hub region
- Review the underwriting process at Hub level and define process as per available resources and branch requirements
- Credit decision on AHLs/LAP/BF cases based on company 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.
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