National Credit Manager - Consumer Loans

Detailed Role Description:

- Leading a team of Credit Managers to handle a portfolio of unsecured loans for salaried & retail businesses (covering Personal Loans, Educational Loans, Consumer Durable Loans, DLOD etc.).

- Have a strong credit and process orientation and a good understanding of the market and competitors especially in unsecured lending;

- Should have a good understanding of product profitability, pricing and operating expenses and use the knowledge to calibrate the company's loss appetite;

- End to end approach to risk management - with a good understanding of the availment and disbursement processes;

- Good understanding of selected target segments and competitor strategies;

- Ability to encourage innovation in order to develop efficient underwriting strategies best suited to meet customer requirements and avoid adverse selection.

Responsibilities of the shortlisted candidate

- Ensuring that team complies to strict credit & process guidelines while maintaining approval rates and TAT norms

- Overseeing critical vendors including critical vendors comprising of CPA, CPV & PFI agencies

- Minimizing costs through higher productivity and lower wastages

- Working on the policy making process through portfolio analysis, non-starter trends and NCL reviews

- Analyzing and acting upon Balance Sheets and operating statements

- Performing ratio analysis and determine profitability ratios

- Understanding forms of credit facilities, fund-based facilities like cash credit, working capital, demand loan, term loan, bill finance, term loan etc.

- Gathering requirements for preparing requests for proposals as per credit policies

- Interacting with customers to understand their financial requirements

- Examining and execute legal documents for disbursal of credit facilities

- Liaising with key customers to manage business development, pre / post-sanction documentation