Regional Credit Manager

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

• To lead a team of CMs; ensure building quality portfolio and manage delinquency.
• Understands the KPIs/goals and takes full accountability & ensure credit team members are in line with the same.
• To understand the management goals & align/ drive team towards the target.
  

Core Responsibilities

• Ensure team exercises their credit delegation authority with all due diligence within the policy framework.
• Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed.
• To ensure the team processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards.
• Monitoring of Portfolio hyegine and take corrective actions.
• Co-ordinating and arrange & conduct training to CMs on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc.
• Liaison with industry peer banks & financial institutions to understand the market behavior.
• To look proactively at best practices across industries and try adapting them to own context.
• Regular interaction with all the stakeholders including Anchor
• Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.
  

People Management Or Self-Management Responsibilities

• To interact closely with other functions in ensuring smooth delivery of objectives.
• Vendor management: CPA vendor and in-house CPAs wherever available.
• To impart regular training and share feedback to improve quality.
  

Risk And Internal Control Responsibilities

• Audit & regulatory compliance on all aspects stipulated by central team.
• Credit quality: Ensure team focusses on Nil PAR errors and Nil QM cases.
• Also, periodic monitoring of team’s Credit authority delegation especially on resigned staff & ensure team exercises CAD without any instance of transgression of powers.
• Sharing regular feedback to policy team.
  

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

• Co-ordinating with RBLs; share them with feedback on portfolio performance & help them to align sourcing in line with policy.
• Accompany them for visits to understand their sourcing pattern & sharing feedback on portfolio behavior.
• Nurturing & imparting training to the business team on processes & product, new policy amendments etc.
  

• To seek clarification wherever required.
• To share feedback on policy parameters basis team’s feedback / portfolio behavior.
• To share market alert on fraud/setup-companies.
  

Key External Interactions

Purpose of Interaction

• Customer interaction wherever required helps us to evaluate the profile which helps us to take an emphatic decision comprehensively.
  

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

• Postgraduate in regular stream or CA professionals having 10+ years’ experience.
  

Professional Certifications

• Any additional certifications /analytical skill related shall be an added advantage.
  

Language Skills

• Strong communication both oral & written in English with good negotiation skills.
  

Experience

Years of Experience

• Postgraduate /MBA or CA
• Overall experience of more than 7-8 yrs in credit risk management & underwriting experience.
  

Nature Of Experience

• Experience in Credit underwriting of SME loans with team handling experience.