National Credit Head - Affordable Housing - NBFC

Client : NBFC

Designation: National Credit Head-Affordable Housing

Location: Gurgaon

Exp: MBA/CA with more than 12+ years of experience

Looking at candidates who have relevant experience in managing national level, experience in team handling.

Role and responsibilities :

- Responsible for credit appraisal by way of analyzing financial statements, calculating financial ratios, borrowers' information, industry outlook within the framework of the company.

- Responsible for putting up the Proposal not to appropriate forum involving Senior Management and presentation of the same.

Ensure Credit Quality; provide credit decision /recommendations for the portfolio for Retail Home Loan/LAP, Construction Finance Large Corporate including Builder financing and structured deals

- Credit Appraisal & Control - Regular interaction with the front line for better deal structuring and transaction processing

- Coordination with Operations for limit setup and disbursement of the term loan.

- Responsible for credit monitoring activities by way of managing collateral, unit inspection, stock audit, documentation and other compliance activities.

- Responsible for overdue monitoring and providing early warning signals to the business team for proactive measures.

- Evaluate credit costs budgets periodically including manpower-planning initiatives and ensuring adherence to planned expenses.

- To develop procedures & service standards for business excellence.

- To follow-up and monitor existing portfolio, formulation, and updating of policies and processes coordinate with external agencies.

- Experience in conducting policy maintenance tasks in accordance- procedures & preparing reports, presentations, underwriting manuals and other documents as needed.

- Excellent interpersonal & communication skills with strong ability in client relationship management.

- Creating and sustaining a dynamic environment to foster development opportunities and motivate high performance amongst team members.

- Conducting competitor/ market analysis by keeping abreast of market trends, competitor moves to achieve market share metrics.

- Conduct Portfolio Audit