Role & responsibilities :
- This is an Individual Contributor Role.
- Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment
- Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix
- Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines
- Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets
- Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.
- Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.
- 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 in Credit underwriting high value LAP
- 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
- Knowledge of local markets and trends in retail lending
- Deep experience & understanding of retail financial services across NBFCs, banking
- Ability to liaison & follow-up with external and internal stakeholders
- Understanding of CIBIL and other checks required to validate customers credibility
Employment Type: Full Time, Permanent
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