Zonal Credit Manager - Home Loan

Job Description :

Reporting to the National Credit Manager, you will be responsible for-

- Co-partner with business team to achieve projected business targets.

- Lead a team of credit approvers to ensure building quality portfolio and manage delinquencies.

- Manage end to end credit approval and disbursement process at HUB region within given Turnaround time (TAT).

- Co-ordinate with the recoveries team and generate business insights.

- Responsible for fraud management, Retail Legal and Technical to mitigate risk activities.

- Develop, review and institutionalize credit appraisal process and policies

- Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members across levels.

- Work closely with recoveries and analytics team to generate business insights.

- Monitors and control the performance of loan portfolio especially high ticket loans.

- Manage credit appraisal and allied costs within allocated budget for Zone.

- Submits monthly credit statistics and reports to National Head - Credit.