Territory Portfolio Manager - Credit - HL/LAP

Years of experience: at least 5 years of experience into credit management

Education Qualification: CA/CA Inter/CWA, Graduate, MBA Finance

- Fulfill the customer needs with speed & agility using experience as a key differentiator

- Enables achievement of territory business target by under-writing loan proposals with desired level of quality

- Acts as a gate keeper for maintaining underwriting standards while ensuring product and policy norms are met and understood by the team

- Meets customer needs through speedy review of credit requests and investigations ensuring that any file does not cross 7 days from login of file to disbursement

- Ensures an effective credit appraisal process, financial analysis keeping in mind the customer and organizational needs & identifying any probabilities of delinquencies

- Provides exceptional customer service to ensure their smooth onboarding, timely query resolution and constantly strives for improvement of Net Promotor Score

- Plays a crucial role in conducting personal discussions for right customer fit and prudent decisions on loan proposals

- Drive lend to collect through proactive and effective portfolio monitoring.

- Acts as custodian of the portfolio, tracks & maintains overall portfolio quality, manages credit process and proactively monitors customer accounts

- Owns collections for the territory and is responsible for allocation, monitoring and review of delinquent accounts

- Manages post disbursement related documents and ensures adherence to credit compliance, legal and risk frameworks

- Liaisons with and manages legal, collection, FI and RCU vendors

- Manages audit and hind-sighting activities

- Has working knowledge of underwriting and credit decisions for mortgage related products

- Regulatory, legal and compliance knowledge related to the mortgage industry

- Has an analytical bent of mind and understanding of financial ratios & P&L understanding