Credit Manager-Credit Cards

Role Overview: As a Credit Manager-Credit Cards in the Retail Banking department at Mumbai, your role involves providing recommendations for improvements and changes to credit policies and procedures. You will conduct detailed analysis of the existing business portfolio, recommend changes for business development, and ensure the high quality of the retail portfolio while meeting target TAT. Utilize tools like automation and digitization to enhance process efficiency and ensure successful adoption of internal compliances and regulatory framework. Collaborate with internal and regulatory audit teams, coordinate with Collections, and review/approve credit proposals. Key Responsibilities: - Provide recommendations for improvements and changes to credit policies and procedures - Conduct detailed analysis of the existing business portfolio and recommend changes - Ensure high quality of the retail portfolio while meeting target TAT - Utilize tools like automation and digitization for process efficiency - Ensure successful adoption of internal compliances and regulatory framework - Coordinate with internal audit and regulatory audit teams - Collaborate with Collections to drive down net credit loss and delinquency metrics - Review and approve credit proposals within discretionary authority Qualifications Required: - Bachelor's degree in a related field (e.g., finance, business, economics) - Prior experience in credit management or related role within the banking industry - Strong analytical skills and ability to conduct detailed portfolio analysis - Knowledge of credit policies, procedures, and regulatory framework - Excellent communication and collaboration skills - Ability to identify trends and make data-driven recommendations (Note: Additional details about the company were not provided in the job description),