Credit Manager - Noida - PL

About the role: The Credit Manager-PL manages core underwriting for Personal Loans plus they will be managing team of underwriting and operation officers who manages different activities. Regular monitoring and grooming need to be done. SOP need to be prepared and kept up to date.

Role & responsibilities:

• Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
• Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.
• Early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.
• Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
• Training, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products. Feedback from Head Credit - & Other stake holders will be the source.
• Stakeholder management
• Idea generation for new projects for process efficiency and cost saving.

Preferred candidate profile

For successful execution of the job, the candidate should possess:

Knowledge of credit, industry and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language