Hdfc Bank - Retail Credit - Credit Manager - Mumbai/ Pune

HDFC Bank Is hiring for Retail Credit - Credit Manager for Mumbai/ Pune location

Job Purpose :

1. To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement.

2. Adherence to the policy/process laid out by the Central team on all application being processed

3. Very close monitoring on Non-starters / EMR trends so as to ensure healthy portfolio.

4. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location.

5. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives. 6. To manage all risk vendors

7. Credit Deferral Management Both Critical and non Critical

8. PDD management

Job Responsibilities :

• Credit Delivery

• Adherence to defined Policy and Processes with minimum defects, and increasing efficiency of underwriting by reducing reworks and increasing FTAR.
• Follow up with business counterparts and other stake holders for pending cases and FTNR reduction so as to ensure both credit TAT and E2E TAT is met as defined by the management.
• Using different scoring models /tools as rolled by senior management to differentiate between customer segments while underwriting.
• Follow up with the business counterparts for housekeeping Parameters such as PDD's / RC pendency / Mutation Checks / Overdue deferrals
• Credit Visit to understand Non-Starters / EMR for RCA and update senior management.
• To check data entry quality is intact and error rate is minimal at all Data entry shops.

• Credit Quality

• Ensuring Minimal PAR errors.
• Ensuring Non-starter and EMR is within Budget.