Credit Manager - Two Wheeler Loans

Job Description :

Overall purpose of the job :

1. To support Regional Credit Manager in setting up of two-wheeler loans Credit department of the bank, draw up process, policies and manuals of the department.

2. Provide customer service both internal and external stakeholders. Ensure RBI and internal compliance matrixes are adhered to.

Key Performance Areas :

1. Run Credit analytics models on retail asset portfolio

2. Identify account characteristic patterns which display distress

3. Follow up on early mortality cases, non-starters do preventive & curative actions

4. Track for 6 FEMI (First Si EMI's in the loan life cycle) and ensure nil bounce

5. Use analytics to identify eligible borrowers for a pre approved loans based on banking patterns, average banking balance, length of relationship etc.

6. Develop scorecards by leveraging on existing database and account performance data

7. Validate expert scorecards every 2-3 years upon sufficient credit history build up

8. Analyse loan performance across locations, develop and maintain high risk locations/ professions and profiles (Combination of multiple characteristics)

9. Prepare MIS reports for review by senior management

10. Support credit Head in managing the credit functions and in implementation of policies, procedures, portfolio analysis and underwriting guideline

11. Any other duties and responsibilities, assigned by the Bank. Two wheeler loans experience mandatory.