Area Credit Manager - BFSI

Responsibility :

- Oversee the underwriting of the loans in the Hub region.

- Evolve underwriting norms customized to the local market needs and update the U/W bulletins.

- Work closely with the S & D team & support on offering innovative product offerings.

- Liaison with the Underwriting Head at the HO and creates templates.

- Review the underwriting process at Hub level.

- Decision on IHLs cases based on PNBHFL policies, processes and merits of the case.

- Approve projects in the hub region.

- Forward request beyond the statutory limit to the HO.

- Work closely with the CGM risk on builder financing approval related issues.

- Manage external agents involved in the verification process.

- Coordinate with the recoveries team and generate business insights.

- Responsible for technical evaluation of properties in the hub region.

- Formulate technical evaluation processes and policies in the hub region.

- Manage the technical evaluation process across the organization.

- Manage the legal evaluation process in the Hub region.

- Responsible for fraud management and risk mitigation activities

Competencies :

- Should be able to underwrite high value cases to the extent of 5-7cr.

- High energy professional.

- Technical & functional expertise

- Strong analytical skills and rich experience conceptualizing financial strategy.