Credit Manager

Role & responsibilities

• To help manage the branch with help of Branch Manager
• Enforcement and adherence of the company credit process and policy in the Branches for Secured Loans
• Approval  of Secured Loans
• Review of portfolio with respect to delinquency/losses/fraud   of the portfolio with branch manager
• Hand holding of branches in initial stages for better understanding of processes including customer assessment, cash flow, CPV etc
• Interacting with Branch Managers and Cluster Business Manager from risk and loss control perspective.

• Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required
• Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
• Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch CROs
• Training: Training branch CROs regularly on credit policy and improvement areas.

Maintaining Balance while taking decisions relating to approval

Adaptability/ Accountability

Integrity & Valuing Diversity