National Credit Manager - Retail Finance

Job Title : National Credit Manager

Department : Retail Finance

Location : Mumbai

Qualification : Chartered Accoutants, MBA- Finance

Relevant Work Experience : 10-15 years

Reporting to : Head - Retail Finance

Direct Reportees : Regional Credit Managers & CO staff

Team Size : 20- 25

Job Description :

- Oversee the underwriting of the loans for Pan-India

- Review the underwriting process at Pan-India region and define processes as per available resources.

- Credit decision on affordable housing loans and mortgage loan cases based on policies, processes and merits of the case for limits beyond regional credit manager(RCM) level.

- Evolve credit appraisal methods for conducting PD based income appraisal for undocumented income customer segment.

- Identify and lead initiatives for process improvement and technology adoption for risk management, reporting and operations management.

- Evaluate and approve regional level underwriting norms as proposed by regional teams/ product teams.

- Oversee Identification and resolution of fraudulent practices and mitigate risk through changes in policy and process

- Oversee Pan-India external agents for verification process: Fraud investigation,

- Legal verification and technical evaluation

- Resource planning and management at Pan-India level for the smooth running of operations

Job Responsibilities :

- Portfolio quality for Pan-India

- Control and resolution of all loan delinquencies

- Best in class Lead Turnaround time and processes

- Creation and management of Pan-India underwriting and collateral policies.

- Recruitment and people management for Pan-India

Competencies Required :

- Credit appraisal

- Underwriting

- Risk Management

- Team Management