AVP/DVP - Credit - MSME Segment

- Work along with Business teams to ensure proper formulation, fitment, structuring, pricing and execution of transactions based on specific requirements, regulatory framework.

- Review the underwriting process at Hub level and define process as per available resources and branch requirements.

- Identify fraudulent practices and mitigate risk through changes in policy and process and formulate and manage the legal evaluation process in the Hub region.

- Co-ordinate with the recoveries team and generate business insights to mitigate risk and Resource planning and management at hub for smooth running of operations.

- To ensure that Loan Application form, Clients KYC, and other documents required for particular loan product is complete and as per the credit policy before sanctioning and within the TAT.

- Ensuring compliance of the Credit Policy and processes within TAT and closely monitoring the Clients CIBIL and Clients loan portfolio.

- Checking clients eligibility for the loan and his/her credit worthiness by looking at the other loans & advances taken and payment history.

- Processing of file and following up with the clients for pending documents and checking the customer profile and categorizing it into low, medium and high risk.