Area Manager - Credit Operations - Housing - Operations - Hyderabad - Auto Plaza

Role Overview: You will be responsible for managing Credit-Operations activities for retail mortgage loans, including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. Your primary role will involve ensuring 100% process adherence, quality checks in line with credit policy, and compliance. Acting as a bridge between Credit and Operations teams to guarantee seamless loan processing will be a key aspect of your role. Key Responsibilities: - Oversee End-to-End Credit & Operations with a deep understanding of credit policy and processes. - Supervise and manage the login of loan applications, ensuring all required documents are in place as per policy guidelines, including KYC. - Ensure gating rejections align with credit policy, monitor login quality, and initiate internal reports and checks as mandated by the credit policy. - Oversee the preparation of Credit Appraisal Memos (CAM), ensuring completeness and accuracy before submission to credit approvers. - Conduct a final review of loan files before disbursement to ensure all documents are in place and compliant with internal and regulatory guidelines. - Maintain 100% adherence to policies and SOPs across all credit-operations processes, identify and rectify process gaps, and manage queries from the Hind-Sighting Team and Internal Audit. - Work on Loan Origination System (LOS) and Finnone for loan processing, with familiarity in SFDC (Salesforce) and MS-Excel being an added advantage for tracking and reporting purposes. - Support digital initiatives to streamline credit-operations processes and improve efficiency. - Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region, providing regular training, conducting performance reviews, and ensuring team adherence to KPIs. Qualifications Required: - Graduate degree (Preferred: Finance, Business Administration, Commerce, or related field) and a Masters/Postgraduate degree. - CA/MBA (Finance) or an equivalent qualification would be advantageous.,