Credit Manager-KCC

The Credit Manager - Kisan Credit Card in Rural Banking is responsible for managing a team and collaborating with the sales team to achieve the assigned area target. You will directly interact with consumers to assess their creditworthiness, ensure verification completion, and adhere to company credit policy guidelines. Your tasks should balance sales support and risk management to contribute to the bank's overall objectives effectively. Your key responsibilities will include underwriting secured and unsecured loan proposals following policies and procedures to meet SLAs and manage business volumes. You will lead a team of credit underwriters, conduct personal discussions with customers, and minimize delinquencies by timely customer communication. Ensuring thorough documentation completion, verification processes, and coordination with sales to meet targets are crucial aspects of your role. Adherence to credit policies and standards is essential for maintaining operational integrity. To qualify for this position, you should have a graduation degree (BA/BCom/BBA/BSc/BTech/BE or any other graduate) and possess 0 to 2 years of experience in credit management. Your ability to effectively underwrite loans, manage teams, and maintain credit standards will be instrumental in the success of this role.,