Credit Manager-Credit Cards

As a Credit Manager - Credit Cards in the Retail Banking division at Mumbai, your role involves providing recommendations on improvements and changes to credit policies and procedures. You will be responsible for documenting and circulating policies to ensure all requirements are met and risks are mitigated while delivering high-quality service to customers. Your key responsibilities will include: - Conducting detailed analysis of the existing business portfolio and suggesting changes to contribute to business development - Ensuring the implementation of policies to maintain the high quality of the retail portfolio while meeting the target Turnaround Time (TAT) - Utilizing tools such as automation and digitization to enhance process efficiency - Ensuring the successful adoption of internal compliances and regulatory frameworks across the business - Coordinating with internal audit and regulatory audit teams to address their requirements and concerns related to credit policies and procedures - Collaborating with Collections team to reduce net credit loss and delinquency metrics by identifying trends on delinquent customers and communicating them for corrective action - Reviewing and approving credit proposals within your discretionary authority and escalating others to appropriate approval authorities while ensuring compliance with the bank's credit policy No additional details about the company were mentioned in the job description.,