Cluster Credit Manager

General Job Responsibility

• Managing Credit and Operations for Home Loans of the Region.
• Credit appraisal as per policies, procedures, and credit underwriting guideline.
• Maintenance of TAT, Compliance, policies and procedures

Principal Accountabilities

• Customer Application Screening, KYC and Income documents as collected by SO for login.
• Initiate legal, valuation, CIBIL and other verification reports
• Interpretation of Credit Bureau Report
• Analysis of Bank Statements and other relevant documents for income assessment.
• Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes.

• Responsible for tracking and collecting all Post Disbursed Documents including Loan Closure letters on takeover, Collecting Sale Deeds for new purchases and sending to HO.

• Responsible for PDC/NACH replenishment to ensure regular repayment of EMI.

• Ensuring operations are running in a streamlined fashion leading to best customer experience and enabling a motivating environment for staff across the network of Dialysis Units.

• Leading the Centre Managers / center staff and guiding them to achieve operational excellence for their cluster of centers, counselling them, coaching them and ensuring they do their job well.

• Identifying targets and reviewing & evaluating performance, identifying & addressing deviations & its relevant causes.

• Ensuring adherence to quality standards in the unit operations.

• Implementing the Performance Appraisal Plan for the staff, Finalization of KRAs, Evaluating & providing feedback.