Geography Head Credit - Microfinance

Role & responsibilities

• Responsible for sanction decisioning in consideration with updated policies and processes of the organization basis the limit set in the deviation matrix
• Effectively engage with functional heads in the region (Sales, Operations, Risk etc) to understand and contribute to improvement of regional performance across locations
• Periodically monitor regions productivity while tracking portfolio quality and act as a feedback loop between the region and head office to ensure alignment to organizational goals
• Supervise and monitor the area credit team for prompt and quality credit processing while ensuring their adherence to the laid down policies & processes
• Coordinate with Collections team to elicit business insights and introduce necessary changes in the policies to mitigate risks
• Stay abreast with the best practices across the industry and present the same for improving internal processes and policies
• Assess deviations raised and documented by underwriters in compliance with credit policy.
• Monitor compliance to the credit policy and processes to ensure that the delinquencies are kept under the identified targets
• Minimize audit deviations by ensuring compliance to all credit related policies & processes for the region
• Track and analyze reports and MIS, review and implement performance sheets and provide feedback for course correction
• Assess the training and development needs of the team and continuously improve underwriting capability
• Should be willing to adapt to digital tools and processes

Preferred candidate profile

• 10-15 years of relevant experience as an Regional/ Cluster/Area Credit Manager in a large HFC/NBFC
• Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any
• Deep experience & understanding of retail financial services across NBFCs, banking
• Knowledge of local markets and trends in retail lending
• Ability to liaison & follow-up with external and internal stakeholders