Job description: This role is responsible to create, review and implement credit policy for the Gold Loan business in line with business requirements. Also responsible for maintaining productivity, delivering solutions as per predefined SLAs and implementing policy-related enhancements. Role & responsibilities: - Formulating and implementing policy, procedures & guidelines for the Gold Loan credit appraisal - Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms - Analyzing the market trends / practices and benchmarking of policies with the market - Establishing a robust Credit Analytic Frameworks to identify early warning signals, credit risk process inputs and customer segment wise risk factors - Ensure that data integrity is maintained and meet all ISO process standards as per the organization's credit policy - Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control - Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis - Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team - Manage the interface with External / Internal Auditors; Design controls to meet all regulatory & internal requirements - Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems - Assist in developing and implementing training programs to improve the quality and productivity of the team Job Requirements: - Post Graduate / MBA - 8+ years (Preferably having exp in credit policy formulation, process management) - Knowledge of credit policy, process, and associated risk in Gold Loan - Experiencing in analyzing the market trends / practices and benchmarking of policies - Experience in identifying internal process gaps to achieve timely resolutions - Process-oriented mind-set - Strong communication and interpersonal skills - Problem-solving and decision-making skills - People Management skills

Chennai

TVS Credit - Chief Manager - Credit - Gold Loan 

Job Description for TVS Credit - Chief Manager - Credit - Gold Loan  in TVS Credit Services LTD in  Chennai for (8-12) years of experience. Apply Now!