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Zonal Credit Head - South

gHRig People Solutions -
Chennai, Tamil Nadu

Quick apply

Job details

Full-time

Qualifications

Business analysis
Finance
Master's degree
Business Administration
Fraud prevention and detection
MBA

Full job description

Zonal Credit Head - South

Department: Credit

Location: Chennai

Age group: 30 - 40 yrs

Reporting To: National Head- Credit

Team Size: 5 to 8

Responsibilities

Managing the Zonal 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
Manage, train, up-skill, motivate, retain and recruit staff
Measure department performance with appropriate metrics
Provide for ongoing training of the team
Manage relations with Credit Reporting and Fraud agencies

Strategic Accountabilities

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 Zonal 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 monitor and highlight MIS to the N a t i o n a l head and local credit as well as business team for better business understanding
To work towards skill enhancement and team building

Tactical Accountabilities

Manage Productivity, file processing cost within the budgeted levels
Ensure processing of files within agreed timelines
Monitor key indicators on FPD, delinquency within designated portfolio, PDD and OTCs
Identification, hiring, training and retention of the desired Credit staff at Regional, Cluster & branch levels
Implement the performance management system and culture as per the objective of the organization
Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analysed and improved.

Supervisory Accountabilities

Prepare and review credit applications made and provide assessment
Conduct financial statement and business analysis for loan eligibility
Preparation of applications in conjunction with the credit team for loan sanctions where loan amount is higher than ZCM sanction authority
Work in partnership with Sales teams on new and existing credit applications, providing guidance on credit appetite and other pertinent information prior to applications being made
Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products
Support the NCM in identifying training and development needs of Vendors and initiation support staff in relation to policy & process
Participate actively in general good credit governance initiatives and uphold highest standards of risk management

Qualifications

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

Quick apply

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