Area Manager Credit Operation - Credit Operations - Housing

5 - 10 years

6 - 10 Lacs

Posted:2 weeks ago| Platform: Naukri logo

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Job Type

Full Time

Job Description

We are looking for a skilled professional with 5 to 10 years of experience to lead our Credit Operations team in Chandigarh. The ideal candidate will have a strong background in credit operations, process improvement, and team management.
Roles and Responsibility
  • Oversee end-to-end credit and operations oversight, ensuring compliance with policies and regulatory guidelines.
  • Supervise and manage the login of loan applications, including KYC and document verification.
  • Ensure timely initiation of internal reports and checks as mandated by credit policy.
  • Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.
  • Manage a team of Credit Processing Associates (CPAs) across branches, providing regular training and upskilling to enhance process knowledge and efficiency.
  • Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing.
  • Drive penetration of E-NACH for improved operational efficiency.
  • Ensure acknowledgment of property papers / PDDs from the credit team and timely handover of PF/Balance PF Cheques to the operations team, tracking clearance of cheques.
  • Hold regular meetings with the business team and conduct regular training for improvement in FTR files.
  • Work cross-functionally with internal partners to develop technological solutions and adapt new technologies to drive efficiency, correct deficiencies, and build greater consistency in processes.
  • Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC.
  • Ensure low attrition for the team.
  • Job
  • Minimum 5 years of experience in credit operations or a related field.
  • Strong knowledge of credit policy, process improvement, and team management.
  • Experience with Loan Origination System (LOS), Finnone, and Salesforce is desirable.
  • Excellent communication and leadership skills.
  • Ability to work cross-functionally with internal partners to develop technological solutions.
  • Strong analytical and problem-solving skills.
  • UG educationB.Com - Commerce.
  • PG educationCA, MBA/PGDM - Any Specialization.
  • Additional Info
    The company offers opportunities for growth and development.

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