Credit Manager-Home Loans

Job Requirements

Role/ Job Title:

Function/ Department:

Roles & Responsibilities

• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed suitability to client requirement.
• Conduct personal discussion with customers.
  

Portfolio Monitoring

• Timely Renewal.
• Deferral Management.
• EWS Management.
• Customer visits on key customers and high value relationship.
  

Tat

• Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.
  

Managerial & Leadership Responsibilities

• To Keep team motivated and aligned to the organizational strategy.
• Champion IDFC First's customer first culture.
• Attract and retain best-in-class talent for key roles in their reporting structure.
  

Key Success Metrics

• Productivity.
• TAT.
• Portfolio Management.
• Hindsight Audit Observations.
• Training and Development.
  

Education Qualification

Experience: