Regional Credit Manager - Home Loan/ Mortgages/LAP

Experience - Home Loan/ Mortgages/LAP

experience of assessing informal income and customer profile.

Appraisal and approval of proposals including supervision of credit underwriters.

Credit Appraisal-Underwriting of Home Loan & Mortgage loan files by analyzing applicant's financial status and credit evaluations to determine feasibility of granting loans with

Assessment of customers sourced by the Sales team as per the credit policy, determine

OTC/PDD Tracking :

Responsible for tracking of OTC's & PDD of the zone and ensure timely completion.

Monitor documentation deferrals and collection of PDDs.

Portfolio Quality -

Manage the portfolio quality and ensure compliance to policy norms .

Review & Monitor :

Monitoring performance of borrower portfolio and preparing reports on periodic basis.

Delinquency Monitoring :

Monitor the performance of the portfolio based on Non Starters & Early Delinquency, delinquency of various sourcing channels, products, customer segments, etc.

Work closely with the Technical, Collection and RCU teams to ensure high quality portfolio

Training of credit underwriters on Policy norms and provide proper inputs to Policy team

Recruitment :

Recruitment, Training and Mentoring of Credit team.

Competition Tracking :

Competitors activity and meeting competitors on a monthly basis to understand changes in portfolio, market, etc.

Audit :

- Resolve audit queries & share the gaps in underwriting.

- Provide inputs to analytics team to build portfolio analytics and scoring model.

Desired Skill Set :

- Excellent credit assessment skills to help build a secure profitable portfolio.

- Strong Communication, Interpersonal Skills & organizational Skills

- Problem solving and ensure Customer centric approach

- Excellent Analytical & Problem Solving skills, ability to train and carry the team

Working Days : 6 Days a Week ( to )

Job Nature : Full Time