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

As a Regional Credit Manager for the South Region, your main responsibility will be overseeing a team of Credit Managers/Area Credit Managers. You will focus on handling secured Home Loans/LAP or working capital business and play a pivotal role in proposing, making decisions, and recommending loan requests in alignment with the bank's standards. Your role will require you to assess and evaluate the creditworthiness of clients. Key Responsibilities: - Conduct due diligence and risk analysis during the evaluation of loan applications. - Report any fraudulent applications identified during the process. - Evaluate and process end-to-end loan applications within the agreed Turn-Around Time (TAT) timelines. - Plan key performance parameters for your team based on Key Result Areas (KRAs) of both the team and individuals. - Ensure team meets KRAs related to TAT, productivity, delinquency, Post Disbursement Document (PDD), audit compliance, customer TAT, and approval rates. - Develop new products, policies, and processes based on local market requirements and changes in existing policies and products. - Monitor approvals of high-value proposals from retail and corporate clients for all products. - Keep an eye on early defaults and ensure non-delinquency. - Create debt collection mechanisms for timely receipt of money and recovery of bad debts. - Analyze frequent delinquencies to maintain a healthy portfolio. - Assist internal audit for the portfolio. - Manage internal and external customer relationships. - Resolve customer-related issues within defined timelines. Qualifications Required: - Bachelor's degree in Finance, Business Administration, or related field. - Proven experience in credit management or related field. - Strong analytical skills and attention to detail. - Excellent communication and interpersonal abilities. - Knowledge of banking regulations and compliance requirements. If you have any additional details about the company included in the job description, please provide them for a more comprehensive job description.,