Zonal Credit Manager- Working Capital - Business Banking

- Develops and implements strategic plans in line with the division's objectives.

- Supports the development of the workforce plan for the division by providing inputs on own department's workforce forecasts.

- Manages and controls the operating framework for the department, provides guidance and support, ensures implementation and review of work processes in order to achieve high performance standards and continuous improvement

- Leading the team of credit managers to ensure execution of key responsibilities

- Appraises /recommends/ approves proposals as per the delegation of authority.

- Ensures adherence to established guidelines and conducts periodic audits to ensure adherence and maintenance of highest quality standards of documentation, client communication, process compliance.

- Communicates on an ongoing basis with product partner and other Relationship Management group to ensure understanding of compliance and regulatory guidelines.

- Reviews delinquent cases and documents learning's / portfolio reviews for risk management

- Conducts process audits and records delinquencies

- Recommends changes to policy / process based on local nuances / competitor feedback.

- Implements system integration plans and monitors NPA and keep a track of it.

- Ensures filed visit is done and customer visits are being done for PD.

- Manages Overall PDD.

- Develops a continuous talent pipeline for key roles in the department and provides mentoring for high potential talent in the team.

- Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the department.

- Develops talent within the department by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.

- Identification of process and policy gaps and potential risk arising out of it

- Suggesting internal control measures and ensure implementation to address such gaps

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