Zonal / National Credit Manager-Business Loans
- Maintain highest level of credit & risk standards, compliance to laid down guidelines and quality norms along with timely and accurate underwriting.
- Should have understanding of credit policy and processes as well as credit environment.
- Credit approval of transactions as per authorized limits.
- Recommends and forwards to appropriate authority in-case of higher limit, deviation, deferral.
- Market references and build good reference touch points.
- Ensure TAT is adhered for credit delivery.
- Co-ordination with business teams for reducing TAT and improving approval ratio.
- Review portfolio every month and manage credit quality and control delinquencies basis control on bounce rate, early delinquency and skip tracing.
- Support the Risk and Policy team for framing policies.
- Aware of industry trends, key factors impacting industry, performance of trade in local market and other regulatory impact.
- Managing the credit team. Work with both Credit and sales team to bring quality portfolio for the unsecured business
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