Role/ Job Title: Cluster Credit Manager - Rural
Function/ Department: Credit Underwriting
Job Purpose:
The role bearers responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.
Roles & 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 bank s credit policy
Education Qualification:
Graduation: Any Graduate
Experience: 6 to 10 Years
