State Head - Home Loan

- Responsible for monitoring, guiding and mentoring a total team of on roll employees in various departments like sales, marketing, credit, technical & legal and Off roll employees as well.

- Responsible for Overall Growth in Business, Increasing the Asset Portfolio Size for the SHFL.

- Maintaining the assets quality with zero delinquency, overdue, Nil NPA.

- Taking New Initiatives for ways to increase business, approaching new segments, development of Product to suit the local market requirement, helps in designing specialized product for niche markets.

- Making efforts to reduce the Overall Cost of Department & Optimal Utilization of available Resources.

- Finding New Target Market for Future Growth, Increasing Assets Base and Revenue Generation.

- Managing Collections, Recovery, and Legal for Mortgage & Home Loans.

- Responsible for Portfolio Efficiency, Monitoring to bring down the numbers of 30+, 90+ and 180+.Exclusive Monitoring on Legal Matters of Mortgage & Home Loan cases.

- Representation for Sec-138 cases, arbitration, securitization, winding up petitions, taking possession of assets, and sale of Assets as per court guide lines.

- Credit underwriting of the cases Business Loan & Mortgages Loan Cluster.

- Maintaining process as per laid manual for credit and operations in business flow

- MIS Management - maintaining MISs all aspects.

- Recruitment of Manpower at the identified branches

- Training and Development of new joinees

- Reviews and presentation to Zonal Head and National Head

Required Skills:

- Graduate/pg with good academic background.

- Need to have minimum 7 years of mortgage related business experience.

- Must possess sound knowledge of systems & Reports to be prepared.