Geography Head Credit - Microfinance Piramal Finance

12.0 - 17.0 years

25 - 30 Lacs

Mysuru

Work from Office

Role & responsibilities Responsible for sanction decisioning in consideration with updated policies and processes of the organization basis the limit set in the deviation matrix Effectively engage with functional heads in the region (Sales, Operations, Risk etc) to understand and contribute to improvement of regional performance across locations Periodically monitor regions productivity while tracking portfolio quality and act as a feedback loop between the region and head office to ensure alignment to organizational goals Supervise and monitor the area credit team for prompt and quality credit processing while ensuring their adherence to the laid down policies & processes Coordinate with Collections team to elicit business insights and introduce necessary changes in the policies to mitigate risks Stay abreast with the best practices across the industry and present the same for improving internal processes and policies Assess deviations raised and documented by underwriters in compliance with credit policy. Monitor compliance to the credit policy and processes to ensure that the delinquencies are kept under the identified targets Minimize audit deviations by ensuring compliance to all credit related policies & processes for the region Track and analyze reports and MIS, review and implement performance sheets and provide feedback for course correction Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 10-15 years of relevant experience as an Regional/ Cluster/Area Credit Manager in a large HFC/NBFC Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Deep experience & understanding of retail financial services across NBFCs, banking Knowledge of local markets and trends in retail lending Ability to liaison & follow-up with external and internal stakeholders

Posted 2 weeks ago

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