Regional Credit Manager-Personal Loan (Chennai)

CHIEF RESPONSIBILITIES Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hindsight and Internal audit observations. Conduct monthly Regional Council Meetings with all the stakeholders. Strategic Managerial Responsibilities: Discussion of observations with Seniors ZCH/ National Credit Manager and Chief Credit Officer • Assessment of Credit Proposal / Case for his respective location / region • Presentation of key observations to Senior Management on periodic basis • Managing a team & drive the results/ goals set for self & Team. Core Responsibilities: Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level. • Monitoring of delinquency, exceptions, portfolio movement. • Maintaining data as required by the Senior Management People Management: Active participation in process re-engineering related to product / process • Collaborate with business, OSD & Policy team for any change in the process/policy. • Self-driven, goal oriented & dynamic in nature.