Regional Credit Manager-Loan Against Property (LAP)-Credit

As a Regional Credit Manager for the South Region, you will be responsible for overseeing a team of Credit Managers/Area Credit Managers. Your main focus will be on handling secured Home Loans/LAP or working capital business. You will be involved in proposing, making decisions, and recommending loan requests in alignment with the bank's standards. This will require you to assess and evaluate the creditworthiness of clients. Your role will also entail conducting due diligence and risk analysis during the evaluation of loan applications. You will need to report any fraudulent applications identified during this process. It will be vital for you to evaluate and process end-to-end loan applications within the agreed upon Turn-Around Time (TAT) timelines. To ensure the success of your region, you will be responsible for planning key performance parameters for your team based on Key Result Areas (KRAs) of both the team and individuals. This will involve ensuring that your team meets the KRAs related to TAT, productivity, delinquency, Post Disbursement Document (PDD), audit compliance, customer TAT, and approval rates. In addition, part of your role will involve developing new products, policies, and processes based on the requirements of the local market and changes in existing policies and products. This will be done by staying informed about the market intelligence of the Region. Monitoring approvals of high-value proposals from retail and corporate clients for all products and keeping an eye on early defaults will also be one of your responsibilities. You will need to ensure non-delinquency and create debt collection mechanisms for the timely receipt of money and recovery of bad debts. Analyzing frequent delinquencies to maintain a healthy portfolio and assisting internal audit for the portfolio will be crucial for this role. Moreover, managing internal and external customer relationships and resolving customer-related issues within defined timelines will also be a part of your duties.,