Zonal Credit Head - Home Loans/Loan Against Property

Zonal Credit Head - Affordable HL / LAP - Chennai

Experience: 10 to 15 years

Description:

General Job Responsibility:

- Managing the Zonal credit function

- Deliver Credit assessment of low ticket Home Loans and Loan against Property

- Follow TAT, Compliance, policies and procedures as per Regulatory guidance

- Maintain a department organizational structure sufficient to meet all goals and objectives to include a fail proof succession plan

- Manage, train, up-skill, motivate, retain and recruit staff

- Measure department performance with appropriate metrics

- Provide for ongoing training of the Credit team

- Manage relations with Credit Reporting and Fraud agencies

Principal Accountabilities:

Strategic:

- Establish and Manage the Credit function using the principle of decentralized assessment and centralized decision

- Responsible for ensuring sensible credit norms resulting in a high quality of portfolio

- To assess the viability of credit lending proposals from credit as well as risk perspective based on institutionalized processes and dynamic market information at Multiple Branch level situated at different cities

- Assessment of proposal leads to decision of not going ahead with the proposal or Approval of the cases which fall under the credit delegation authority of Zonal Credit Manager Level or Further recommendation and presentation of the proposal to respective committee level

- To ensure efficient Turnaround time (TATs) for validating the proposals

- To co-ordinate with other support functions for operational effectiveness

- To monitor and share MIS to the Function head and local credit as well as business team on regular basis for better business understanding

- To work towards skill enhancement and team building

Location: Chennai

Age group: 30-40 yrs

Reporting To: National Head- Credit

Team Handling experience: of at least 5 + years