Credit Controllership Hindsighting

Credit Controllership Hindsighting of EL (LAP) SLI Loan files:-

• Selection of 100% LAP loan file sample as per set process & various trigger noted basis on various set of data/industry standards.
• Review of 4 loan files on a daily basis for 15 working days in a month based on the detailed hindsighting checklist & update query/observations in the said format in crisp and unambiguous manner.
• Co-ordination with EL (LAP) & SLI credit team for proper response on the hindsighting query/observations being shared monthly.
• Clear understanding of credit policies & processes for drafting proper queries within given TAT.
• Ensure the regulatory norms are followed and any gaps to be highlighted immediately to respective team to resolve any issues on priority.
• Monthly regular reviews with reporting managers pertains to queries to be finalised as hindsighting observations.
• Preparation and sending Draft Hindsighting & Final Hindsighting Report to PAN India Credit team as per the guidelines stated in the relevant hindsighting process note.
• Attending regular meetings with senior management as & when required to share key insights.
• Scheduling Training sessions with credit team on quarterly basis to share the key finding and imbibe learning for better credit quality.
• Quality Management in terms of Compliance, Statutory and Regulatory Audits