Cluster Credit Manager - MB & RB

Job Description

GRADE-SM DEPARTMENT-Credit SUB-DEPARTMENT-Micro Banking & Rural Banking REPORTS TO -Area Credit Manager REPORTING INTO-Officer Credit MB Unsecured ROLE PURPOSE & OBJECTIVE This role is responsible to manage credit policies and processes are followed for GL unsecured loans in the region and Manage that the processes/policies are effectively managed on the field. The role incumbent will maintain processing / underwriting of the GL loans in line with regulatory guidelines and internal policies with zero errors and facilitate Prudent Credit Decisions on exceptional cases based on data points SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Monitors portfolio and ensure good portfolio quality of around Rs. 200 to 300 Cr (both GL and IL) IL Disbursement of Rs. 12-15 Cr in a month through team Handles team of 6-8 members directly or indirectly Support business of 10-12 Branches in the region KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business: Manage if the Policies and Processes are effectively followed in the field by Distribution and Credit Train and Certify HV and GRT Person on Policy and Process revision Provide feedback about the Policy and Process based on the Field Understanding Conduct Area Surveys and Cross check as and when required Review the Negative areas regularly Rollout of new technology across all the branches Conduct GRTs/HV on sample basis to understand the ground realities. Identify and highlight issues / deviations in the field for necessary action Escalate field issues with respect to customers, field issues and competition Take necessary steps to Manage Good Portfolio quality while underwriting the loans Manage the data and reports are effectively used for managing team and Risk in the field Visit Overdue cases, understand the issues and prepare reports or case studies Follow up for collections in the early bucket Prepare action plan for critical Overdue cases for collections Initiate write-off of non-recoverable accounts as per the defined policy and process Supervise 6-8 Credit Officers in the field. Manage Internal and External Risk assessment is being done for all the branches Co-ordinate with Distribution team for effective utilization of the resources Provide Audit compliances timely for the internal and external audits Recommend credit policy changes based on field insights to the senior management Involve in Areas Surveys, Area Cross check and review of Negative areas Train Distribution and Credit on the policy and processes, new technology changes etc. Engage with Audit and Risk team to monitor credit risk and participate in audit closure meeting Escalate field issues and Manage actions are taken as per defined Penalty Matrix Manage healthy branch portfolio through regular follow-ups and visits with delinquent / critical clients Visit FTODs, Non-starters, and prepare action for collection Execute action plan for high risk / poor scoring branches along with Distribution team Co-ordinate with other departments for effective risk management Supervise a team of 6-8 Team Lead and / or Credit Officers-IL at field Recruit good Officers and build strong Credit team in the field Customers: Work with CRM and Branch Head for effective implementation of Credit Policies and utilization of resources in the field Engage with Branch Head and State HR for trainings and refresher trainings Work with Auditors, Audit Officers and Vigilance Officers for identification of deviations in the field and to take necessary actions Discuss with Customer and staff to Understand the Customer and Field staff requirements while framing the policies and processes Engage with customer and staff to understand the customer and field staff requirements while suggesting for changes in policies and processes Co-ordinate with Branch Head & Collections Officer for effective collections management Manage credit team provides good service to customers through efficient processing of applications Recommend the right product and loan amount to the right customer Internal process : Manage adherence to all regulatory norms with respect to KYC & Documentation and Customer Selection Manage adherence to all internal policies & processes with respect to Credit Manage approvals in field are within defined Credit TAT of Group Loans Manage that the Issues and deviations are escalated appropriately to the concerned department and supervisors Highlight system risks associated with branches / areas Report/ Escalate critical issues at field in IDM / Risk Review Manage appropriate action against non-starter loan originators Manage timely & accurate submission of daily, weekly & monthly reports Learning & Performance: Train and handhold Credit Officers, CRMs and Branch Head. Monitor daily performance of the Credit Officers Monitor performance of staff against defined goals/metrics and take corrective action Manage goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees Manage adherence to training man-days/ mandatory training programs for self and reportees Manage overall staff satisfaction as per Great Place to Work Survey Manage timeliness & discipline among team & cordial relationship with IL Team Identify training needs to support the business and Provide the training with good resources Manage necessary feedback is given to team on regular basis. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Degree or Post Graduate in Commerce, Business Administration, Economics, Science or MBA/PGDM Experience (Years and Core Experience Type) 3-4 Years in Field Credit or Sales, Preferably with Team Handling Experience