Zonal Credit Head - Banking

Position: Zonal Credit Head

Location:

Jaipur, Rajasthan

Qualification:

- Post Graduate/MBA/CA

- Bachelor's or Master's degree in Commerce/Finance/Underwriting

Minimum Experience: 10 year(s)

Job Description:

Department/Group - Affordable Home Loan/ LAP

Traveling - As per job requirement

- Apply and suggest improvements in credit and underwriting policies & processes, infrastructure, development and deployment of underwriting models.

- Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening initiatives to keep delinquencies under control while maintaing a balanced view of business profitability across various products in the given zone.

- Maintain and update credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.

- Reviews credit policies with business goals while being up-to date on competition policies & practices.

- Prepare Risk & Credit Decks on monthly basis for a specific zone.

- Develop strong internal and external relationships

- Responsible for ensuring sound understanding of credit policy across all relevant levels, in the team.

- Product knowledge at market level & market segmentation, is necessary.

Key Skills:

- 10 or more years in underwriting for Affordable HL/LAP, as a product, with last 5 years in supervisory roles

- Understanding/knowledge of governance practices, internal control systems & ability to monitor risk management activities/programs (and implementation).

- Extensive awareness of Credit and team management.

- Will Co-ordinate with:

- Business Team

- Auditors

- Outside clients - regularly

- Other departments (like Ops., BSG, Legal etc.) - regularly.