Zonal Credit Manager - Retail Lending - Banking/Financial Services

1. Build and implement Risk framework:

- Build and implement Risk framework in Retail Lending to contribute to the growth of the business by ensuring that credit proposals are reviewed using adequate documentation within a committed timeframe and without compromising on the quality of the assessments.

2. Review credit proposals:

- Review credit proposals, carry out thorough due diligence within stipulated turnaround times and decision of the cases within the delegated authority framework, or recommend the same to the respective authorities for decision or approvals on the case.

3. Inculcate risk culture:

- Inculcate a risk culture across the business line by highlighting credit risks and mitigation actions and supporting audits.

4. Evaluate processes:

- Regularly evaluate existing processes in light of regulatory and compliance requirements and suggest suitable changes keeping the best interest of the organization in perspective.

5. Review credit exposures:

- Undertake ongoing reviews of credit exposures and formulate strategies to reduce or control exposures in a way that they continue to be bankable.

6. Review and Monitor:

- Regularly review and monitor the KRI, PDD movement and other compliance related matters.

7. Monitor business aspects:

- Regularly monitor various aspects of the business through different MIS reports on business performance, vendor management, audit queries, etc.