Regional Credit Manager - NBFC/Micro Finance

The position has been created to enable clear focus on the credit function servicing MF-HF, SME, General HF & LAP products

Responsibilities:

- Lead and manage a team of Area Credit Managers, Branch Credit Managers, Regional Credit hub team, credit officers,and credit intelligence team

- Train the underwriting team to ensure high quality credit appraisal of loan proposals within the agreed TAT. Similarly he is also responsible for delivering high quality sampling feed-back through the credit intelligence team within the agreed TAT

- He is responsible to oversee the functional training of MFI business team & credit team across retail, General HF & LAP products for certification & re-certification

- Responsible for peer-review process in underwriting & field visit review process in sampling to ensure that the credit mechanism is robust and scalable

- Responsible for publishing Branch credit quality scores and red-alert reports to the senior management team based on the inputs from underwriting & credit intelligence team.

- Follow-up of part-disbursement cases in MFHF & HF, with aging more than 180 days from the date of first disbursement to convert them to EMI mode

- Responsible to monitor construction completion for fully disbursed cases in MFHF & HF to comply with regulatory norms.

- Analysis of regular bouncing customers to identify the lead indicators of portfolio stress and provide suitable inputs to the senior management team to fine tune the credit policy

- Follow-up on bounce collection through MFI branch team to ensure zero delinquency.

- Responsible to revert on internal audit observations pertain to the region.

Candidate Profile:

Qualifications: CA/MBA

Total Experience: 10-15 years of which 5 years relevant

Age: 35-42 years

Industry: NBFC/Retail Finance (Assets)-Primarily Credit function. Past experience on the sales side of retail finance will be a plus

Functional skills: Credit risk assessment of MF- segment proposals