Technical Manager

Job Description

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. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Discussion of observations with Seniors – ACH / RCH/ 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 Or Self-Management Responsibilities 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. Risk And Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in Policy SECTION IV: KEY INTERACTIONS Key Internal Interactions Purpose of Interaction Business Team To interact with SM / ASM /RSM on day-to-day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required Key External Interactions Purpose of Interaction Customers As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case Show more Show less