Technical Manager

As the Credit Manager, your primary responsibility is to ensure the quality appraisal of credit for worthy borrowers and to guarantee timely credit and transaction approvals for delegation under your supervision. You will be required to follow up with seniors for credit and transaction approvals, manage the loan portfolio with respect to credit rating and quality, and identify de-risk accounts and AL accounts. Monitoring the team's Turn-Around-Time (TAT) and productivity will also fall under your purview. It is crucial for you to ensure adherence to the credit policy and process, review delinquency, and manage exceptions and approvals for knocking. Responding to hindsight and internal audit observations will be part of your routine tasks, along with conducting monthly Regional Council Meetings with all stakeholders. In terms of strategic and managerial responsibilities, you will engage in discussions with seniors, ACH, RCH, National Credit Manager, and Chief Credit Officer. Assessing credit proposals and cases for your respective location or region, presenting key observations to senior management periodically, and effectively managing your team to achieve set goals are essential aspects of your role. Your core responsibilities will include assessing credit proposals, reviewing cases as per credit policy parameters, conducting documentation checks, analyzing observations for necessary corrections in credit appraisal, and preparing CAM/Reports that highlight the quality of information for senior-level decision-making. Monitoring delinquency, exceptions, portfolio movement, and maintaining data as required by senior management will also be part of your core tasks. You will need to actively participate in process re-engineering related to products/processes, collaborate with business, OSD, and Policy teams for any process/policy changes, and demonstrate self-drive, goal orientation, and dynamic nature. Identifying gaps in processes and highlighting them to senior management, as well as suggesting changes in policy, are part of your risk and internal control responsibilities. Your key interactions will involve regular engagement with the business team, policy team for clarification or guidelines, and customers as required by policy while assessing cases and interacting with them for information or concerns related to decision-making.,