PAR & Hindsighting Manager

Key Result Areas

Supporting Actions

To conduct periodical inspection of disbursed cases

• To conduct regular audit of disbursed credit cases
• To check all credit parameters pertaining to eligibility calculation, banking & credit parameters and implementation of policy are met
• Review customer data entry - demographic details (including income-related & other additional information), efficiency in LMS, and ensure maximum files are processed and sanctioned with a minimal error rate
• To ascertain any gaps in policy and processes
• Highlight critical findings and fraudulent activities
• Support the internal customers (credit and operations) team by providing feedback on qualitative processing and supporting improvements
• Implement effective controls and improvements in the process design, system and operation wherever required
• Impart training and learnings for effective control and adherence to program norms
  
  

Maintaining multiple Dashboards & MIS

• Preparation and presentation of various dashboards and key risk indicator
• Formulation of monthly reports of audit of various products, segmentation between critical and non-critical observation
• Providing data on monthly basis for reviews and to the top management
  
  

To conduct trainings & learning sessions

• Provide training to credit team regarding findings in audit
• Classroom sessions to be conducted PAN India
• Regular governance calls and updates on the development needs to be imparted
• Regular interaction with NCMs and providing feedback for the product
  
  

Monitoring of entire process

• Selection of monthly sample for the audit cases
• Weekly monitoring of the audited cases and assessment of overall target
• Discussion regarding the errors with the credit team and timely closure of same
• Publication of hindsighting reports on monthly basis within defined timelines.
  
  

Automation of processes

• Automation of the existing process via dashboards, any other tools
• Highlight system glitches and suggest changes
• Streamline of MIS reports
• Assessment of credit in an auto mode