Regional Manager - Credit Operations/Services & Collections - Housing Finance

The prime responsibility is preparation of high standard of credit appraisals and own the process of risk, credit and compliance in the assigned region.

Key Responsibilities :

- To facilitate the branches in accelerating the business growth of Business by way of localized and speedy credit decisions & query resolutions.

- To ensure adherence to credit compliance and risk management.

Key Deliverable:

Credit Culture:

- Underwriting high value proposals with desired level of quality and enabling achievement of Region business target.

- To serve as an underwriter of Home loan/Home Equity proposals.

- Make timely Credit appraisal, financial analysis and decision of loan proposals.

- Use performance history along with liquidity, debt/asset management and profitability ratios to assess credit worthiness in evaluation.

Collections & Debt Management :

- Develop and execute debt management strategy & collections.

- To self-appraise / assess cases requiring expertise as per the authority matrix.

Compliance Culture :

- To ensure Process compliance. To conduct /handle audit.

- Use performance history along with liquidity, debt/asset management and profitability ratios to assess credit worthiness in evaluation.

- Adhere to regulatory requirement and Compliance.

Team collaboration & Management :

- To work in collaboration with the sales team in increasing the sales.

- To be cognizant and balance.

- Coordinating with sales, operations, legal, technical and customer service teams

Training & Up-skilling and Audit :

- To train and create awareness on credit culture & collections and create compliance culture.

Key Skills :

- Analytical ability to conduct an analysis of an applicant's credit status

- Team Management

- Understanding/knowledge of mortgage lending regulations. Good understanding of all Products.