Job Title/Grade: Regional Manager- Credit and Operations Department: Credit
Location: Age group: 28-35 yrs
Reporting To: National Head- Credit and Operations Team Size: 8
General Job
Responsibility
Managing the regional credit function
Deliver Credit assessment of Home Loans and Loan against Property
Follow TAT, Compliance, policies and procedures as per NHB guidance
Maintain a department organizational structure sufficient to meet all goals and objectives
to include a fail proof succession plan
Responsible for the full function of Credit Vetting Department
Manage, train, up-skill,
Manage, train, up-skill, motivate, retain and recruit staff
Measure department performance with appropriate metrics
Provide for ongoing training of the Credit Vetting and Fraud staff3
Manage relations with Credit Reporting and Fraud agencies
Principal
Accountabilities
Strategic
Establish and Manage the Credit function using the principle of de-
centralized 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 of different states called Zone
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 Regional 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 MOG and other support functions for
operational effectiveness
To monitor and highlight MIS to the section head and
local credit as well as business team for better business
understanding
To work towards skill enhancement and team building
Appointment, Development, Training and Performance of
the Credit Analyst team of the Unsecured Loans Credit & Risk
Team
Job Title/Grade: Regional Manager- Credit and Operations Department: Credit
Location: Age group: 28-35 yrs
Reporting To: National Head- Credit and Operations Team Size: 8
Person Profile Educational
Qualification
CA / CWA or MBA/PGDM – Finance
Experience 8-12 yrs experience in Asset Credit, Risk Assessment, Credit
Operations and Credit underwriting
Preference will be given to Banking & NBFC industry candidates
Specific Skills A High Level of Professionalism
A Passion for Building and Growing Relationships
The Ability to Gather Feedback and Provide Innovative Insight
Thorough understanding of the National Credit Act
Experience in successfully running a Call Centre
