2.0 - 7.0 years

1 - 6 Lacs

sangareddy

Work from Office

Role & responsibilities Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. Supervise a team of credit underwriters and provide guidelines. Conduct personal discussion with customers to establish credit worthiness. Control and contain front-end delinquencies by calling up customer on first presentation. Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Coordinate with sales to achieve targets and ensure SLAs are met. Ensuring credit policy adherence to the accepted standards. Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing. Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the banks credit policy. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Managerial & Leadership Responsibilities: Monitor key parameters on productivity, hiring quality and attrition rates and make necessary improvements. Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight. Attract and retain best-in-class talent for key roles in their reporting structure. Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business. Partner with Policies team to ensure all decisions are taken within the prescribed framework. Educational Qualifications: Preferred candidate profile With 3-7 Years of experience is Credit(Mortgage) Perks and benefits

Posted 6 hours ago

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Branch Credit Manager Dreams Solution

2.0 - 7.0 years

1 - 6 Lacs

khammam

Work from Office

Posted 6 hours ago

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