National Credit Manager - Bank (15-30 yrs)

- Lead and supervise direct reports with continuous engagement on portfolio performance, process controls

- Manage end to end the entire loan cycle from application to disbursement

- Manage risk in the home finance portfolio and recommend strategies to mitigate it.

- Ensure compliance with the company's credit policy and regulatory requirements.

- Monitor and report on key credit quality metrics.

- Identify training needs and develop the skills of the credit team.

- Participate in the development and implementation of credit policies

- Non Financial Responsibilities Review of NPA cases

- Appointment and periodic monitoring of Values, RTO Agents and sourcing channels

- Recruitment, Training and Mentoring of FI, Sales and Credit team

- Competitors activity and meeting competitors on a monthly basis to understand changes in portfolio, market, etc.

- Meeting with dealers and manufacturers to know about sales trends, discounts and disseminate to the team

- Smartly figuring out customer's credential and perform tele-verification of the customer

- Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries (tyre dealers, spare parts dealers, brokers, body builders, etc.) and provide recommendations for corrective action in sourcing, underwriting, etc.

- Arrange for Credit programs and training within company's credit framework

- Provide inputs to analytics team to build portfolio analytics and scoring model

- Ensure that there is no compromise on the Quality of Credit & maintain a heathy portfolio

- Review and recommend changes in company's credit and related policies and facilitate the same for approval and implementation.