Cluster Credit Manager - MB & RB

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.