Cluster Credit Manager - Housing (CCM)
Ujjivan Small Finance Bank · Pune · onsite · Posted 56d ago
Undisclosed4–9 yrsfulltimeSourced from
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About this role
Job Details
Role purpose objective
Size of the role
Financial size
Non-financial size
Key duties responsibilities of the role
Business
Customer
Location - Pune,Akurdi,Pimpri,Navi Mumbai,Thane,Chembur,Mumbai,Govandi,Nashik,Goregaon,Borivali,Sion,Santacruz,Vadodara,Ahmedabad,Jalgaon,Nagpur,Himatnagar
- Job Title: ClusterCredit Manager
- Grade: SM
- Department: Credit
- Location: Cluster
- Sub-department: Housing
- Type of position: Full-time
- Reports to: AreaCredit Manager
- Reporting into: CreditOfficer
Role purpose objective
- Expert knowledge of assessing credit risk for Home Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.
- Conduct income appraisal of salaried and self-employed borrowers. In-depth understanding and analysis of P L Account and Balance Sheet including cash flows of self-employed borrowers.
- Assess income to obligation ratios, loan to value ratios, in-depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
- Provide Market intelligence from a competition and customer stand point
- Recommendations on new processes fraud Control initiative etc
- Manage Credit Officers' team
Size of the role
Financial size
- Manage entire Area underwriting teams
- Handling portfolio from 50 Cr to 200 Cr
- Supervising the monthly disbursement of 60-150 files from the assigned area
Non-financial size
- Efficient TAT management by credit team
- Ensure to strengthen area credit team to include more responsibilities
- To manage direct and indirect team of close to 4-10 people.
- Involve in process reengineering, Audits, Policy change discussions etc.
Key duties responsibilities of the role
Business
- Ensure credit policy and process adherence in the Cluster.
- Coordinate with Legal Technical Agencies.
- Guide/Monitor Credit Officers of the cluster.
- Ensure timely training to branches in the cluster.
- Suggest policy revisions in line with changing market conditions.
Customer
- Expert knowledge of customer segments in various markets of India and their performance histories.
- Expert knowledge of negative profiles, negative property types and negative property locations.
- Complete understanding of various collateral types of all regions and cities in India and their title documentation requirements for creation of equitable mortgage.
- Knowledge of property valuation process through vendors and knowledge and keen interest in monitoring current property prices.
- Meet appropriate customers for understanding of their needs.
- Conduct underwriting for cases under purview.
- Pickup EWS for the set of clients in his area.
- Maintain portfolio quality of the Cluster as per company norms.
- Monitoring and tracking of HL Loan cases.
- Maintain various standard MIS for HL Loan.
- Ensure various reports are being sent to stakeholders on monthly basis at regular frequencies.
Location - Pune,Akurdi,Pimpri,Navi Mumbai,Thane,Chembur,Mumbai,Govandi,Nashik,Goregaon,Borivali,Sion,Santacruz,Vadodara,Ahmedabad,Jalgaon,Nagpur,Himatnagar
Sourced from naukri
Skills
Market Intelligencevaluationcredit policyauditsTat Managementportfolio qualityProperty ValuationDisbursementHome loanFraud ControlMortgagecredit riskunderwritingLegalBalance Sheet
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
Banking
24.4k+
employees
2017
9 years old
Bangalore/Bengaluru, Karnataka
India
About
Empowers financial inclusion across India, serving over 90 lakh customers with over ₹6,400 crore profit and a strong focus on inclusive, tech-led banking.
Industries
BankingFinancial Services
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4.0/ 5
Culture
4.0
Career growth
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Work-life
3.9
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