RC - High Value Credit Manager - Mortgages Credit

No of VacanciesReports toACM/RCMIs a Team leaderNTeam Size5-7GradeM/SMBusinessUnderwritingDepartmentRetail CreditSub-DepartmentCPCLocationPan India CPC locationsAbout Retail CreditThe Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank It is also responsible for ensuring the maintece of a good portfolio quality and for ensuring smooth credit appraisal processesAbouttheRoleCPC High Value Credit underwriting managers manages core underwriting for credit card plus they will be managing team of underwriting and operation officers who manages different activities Regular monitoring and grooming need to be done SOP need to be prepared and kept up to dateApproval Rates, basis the target will be reviewe'd for the year for the location - Approval rates for all the locations - for the full yearTurn around time (TAT) from Login to Sanction - Login to Sanction for all products as confirmedEarly Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmedAudit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted - Based on Internal & Concurrent audit conducted & Report submittedTraining, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products Feedback from Head Credit - & Other stake holders will be the sourceStakeholder managementIdea generation for new projects for process efficiency and cost savingQualificationsGraduate / Post- Graduation (MBA/ CA preferred)Experience in retail credit with team handlingRole ProficienciesFor successful execution of the job, the candidate should possess:Knowledge of credit, industry and product trendsKnowledge of regulatory guidelines and normsGood communication (both verbal and written) skill in both English and the local language