Regional Credit Head - CA

Regional Credit Head

Job Description :

- Regional Credit Head with credit sanctioning / recommending authority, responsible for risk analysis and credit underwriting of loans as per EFS Policy Manual/Circulars issued from time to time to micro and small enterprises (MSMEs), including Trading & Service Units in the designated markets.

- Leads a team of credit underwriters / managers, recovery managers and operations assistants in delivering quality service to both internal and external clients, within TAT standards.

- Works constructively with the Zonal Credit Head - to design new, customer-friendly product and service solutions in consultation with HO/Product Dept. as to gain market share and increase financial inclusion of the urban unbanked entrepreneurs.

- Has overall accountability for the credit quality of the EFS loan underwriting and portfolio, including the due diligence, on-boarding and monitoring of the portfolio.

- Is accountable for ensuring accurate and appropriate assessment of applicant's credentials as per EFS Policy Manual/Circulars issued from time to time.

- Is accountable for maintaining delinquency levels below target levels.

- Meticulously monitors and analyses the inherent and emergent risks in the portfolio and proactively suggests steps to minimize those risks.

- Monitoring Non starters and OD a/c and maintain the book size of advances with 0% NPA.

- Is the primary liaison with the internal Audit team, on all financial accounts and compliance matter.

- Leads his team of credit underwriters / credit managers in identifying cross-sales opportunities, by targeting new customers, identifying their needs and selling credit and fee based products.

- Provides effective leadership to the EFS credit team.

- Actively support in the training of Relationship Managers and Credit Underwriters.

- Any other related work entrusted from time to time including officiating in the position of Zonal Head Credit as per Instructions from Head Office/National Credit Head/CEO-EFS.

Candidate Skills Required :

- CA is Mandatory

- Exposure in Secured & Unsecured Loan - Personal Loan, Business Loan, Loan Against Property.

- Have a thorough knowledge of credit-related laws