Branch Manager ( 7 to 10 Years ) Kanpur, Aligarh, NCR

Role Branch Manager LAP

Location: Meerut, Agra, Aligarh, Lucknow, Kanpur, NCR, Jaipur, Ajmer, Bikaner, Sikar, Jhunjunu

Experience: Relevant: 7 to 10 years

EDUCATION

Minimum: Post-Graduate, Preferably: MBA (Finance)

ROLE OBJECTIVE

Responsible for credit approvals of Prime/Affordable Housing Segment for multiple lenders.

Adherence to Policies and Process of the Organization within the agreed TAT. Ensure

implementation of Best Credit Practices.

Co-ordinates With

Sales

Product

Credit Policy

Risk

Lender Partners

KEY RESPONSIBILITIES

Implement and Act in accordance with Organization's Policies and Process and Credit

Delegation

In addition, adhere to Regulatory and Audit Compliance

Review and Monitor Underwriters in terms of Loan Appraisals, TAT, Risk Appetite and Support

to Business

Monitor Portfolio Quality

Provide valid inputs to Policy Team on hindsight and Competition benchmarks

Assist towards Process Key Improvement Activities

Ensure quality metrics of underwriting are maintained with error rates maintained within

threshold limit.

Proactively inform about Red Flags and Triggers

To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures

Training the Credit Managers on Processes and policies

Work Closely with Sales Managers in Zones, Credit team and business teams of lenders to

constantly refine credit underwriting processes in Zone across regions

Partnering with risk and policy teams to align products and policies , build on data driven

underwriting practices

Actively get involved in New lenders onboarding process, setting up process and policies and

regular interaction with lender's credit and operations team

Actively looking out for automation initiatives enabling better underwriting practices and

lender delight

Travelling to multiple locations for training purposes as per requirement Domain/Functional

Domain/Functional Skills

Financial Skills required for Underwriting

Behavioural Pattern of Customer Profiles. Market Risk and pattern of credit off takes

Region Specific Business practices and market knowledge

Vendor Management

Leadership skills

Product and documentation knowledge

Managerial/Soft Skills

Power Point Presentation

• MS Word and Excel