Credit Manager- RB Risk Car Loan

Description

CHIEF RESPONSIBILITIES

•  Ensure quality Appraisal of credit for worthy borrowers.
•  Ensure timely credit and transaction approvals for delegation under self.
•  Follow up with seniors for credit / transaction approvals. 
•  Managing loan portfolio with respect to credit rating/quality.
•  Identify de risk account / AL accounts.
•  Monitoring of Team TAT and Productivity.
•  Ensuring adherence to the credit policy and process.
•  Review of Delinquency
•  Review exceptions and approval for knocking.
•  Respond on the Hindsight and Internal audit observations
•  Conduct monthly Regional Council Meetings with all the stakeholders.

Strategic/ Managerial Responsibilities

• Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer
• Assessment of Credit Proposal / Case for his respective location / region
• Presentation of key observations to Senior Management on periodic basis
• Managing a team & drive the results/ goals set for self & Team.

Core Responsibilities

•       Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
•       Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level
•       Monitoring of delinquency, exceptions, portfolio movement. 
•       Maintaining data as required by the Senior Management

People Management or Self-Management Responsibilities

•  Active participation in process re-engineering related to product / process
•  Collaborate with business, OSD & Policy team for any change in the process/policy.
•  Self-driven, goal oriented & dynamic in nature.

Risk and Internal Control Responsibilities

•  Identify the gaps in the process & highlights to the Senior Management
•  Suggestion for changes in Policy

Minimum Qualifications

•  A CA/ MBA from a reputed institute

Years of Experience

Minimum of 3 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience

Credit Evaluation in any Bank

Technical Competencies

Financial Analysis and Market knowledge of industry segment