State Credit Head - Home Loans/LAP - Bank

Job Description :

- Oversee the underwriting of the loans in the entire region.

- Be the key personal to Credit Manager and work with him / her in planning and executing the Credit strategy of Housing Loan and LAP

- Credit decision on HL/LAP 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

- Credit Management: Overseeing and guiding team on developing on -going market insight, identify sector trends and work with Credit team and stakeholders in developing competitive product proposition.

- KRA planning: Work with Credit Head and HR team to put in place the right mix of parameters as part of KRA at various roles / level in the organization.