Zonal Manager - Underwriting

Plan for managing larger location base, higher volume throughput and bigger credit team thereby setting up higher standard of process hygiene to manage and better quality to maintain. Also there is a need for a senior team member to help improve process efficiency , TAT and underwriting healthy portfolio.
PRINCIPAL ACCOUNTABILITIES
(Accountabilities associated with the job)
Customer due diligence, Industry or market nuances , managing larger team, monitoring hygiene aspects, portfolio management.
Highlighting key risks, structuring and ring-fencing exposures and presenting proposal to credit authority .
Monitoring performance of borrower portfolio and preparing reports on periodic basis.
Ensuring compliance with approved product policy/processes.
Adherence to turn around times (TAT) and supporting business requests.

4. MAJOR CHALLENGES
(Challenges faced on an on-going basis in carrying out the job)

End to end TAT to be maintained
Quality of TTD of the files approved to be maintained at highest level
Approval ratio and process efficiency to be managed

5. DECISIONS
(Key decisions taken by job holder at his/her end)

Underwriting higher ticket loan proposals and managing critical deviations

6. INTERACTIONS
(Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job)

Internal Clients
Roles you need to interact with inside the organization to enable success in your day to day work
1. Collections
2. Operations
3. FCU
4. Risk

External Clients
Roles you need to interact with outside the organization to enable success in your day to day work
1. DSA / Channel Partners
2. Valuators
3. CPV/FI Vendors

7. DIMENSIONS
(Key numerical data which will reflect the scope and scale of activities concerning this job)

Financial Dimensions
(These should be quantifiable numerical amounts)

End to end TAT of 50% with in 4 hours.
Improved credit productivity of 55-60 files per credit manager

Other Dimensions
(Significant volume dimensions associated with the job)
Total Team Size: 28
Number of Direct Reports: 7
Number of Indirect Reports: 21
Number of Outsourced employees: 0
Number of locations: 13
Number of products: 1
Required Qualifications and Experience
SKILLS AND KNOWLEDGE
(Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent)

Educational Qualifications
a) Qualifications:
Post graduate/MBA Finance

b) Work Experience
10 + years of relevant experience in underwriting/credit risk management of Auto Loans - New and Used.
Excellent analytical and communication/presentation skills.
Good writing skills.
Positive attitude and good team player
Experience of Team management and Stakeholder Management