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17 Cluster Credit Manager Jobs

Cluster Credit Manager- Micro LAP

6-10 years

Mysuru / Mysore, Shimoga, Bangalore / Bengaluru

3 vacancies

Cluster Credit Manager- Micro LAP

Piramal Group

posted 5d ago

Job Description

Role & responsibilities

  • Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions.
  • Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster.
  • Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level.
  • Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch.
  • Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.
  • 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

  • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate.
  • 6-10 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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What Cluster Credit Manager at Piramal Group are saying

Cluster Credit Manager salary at Piramal Group

reported by 1 employee with 6 years exp.
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₹14.7 L/yr - ₹18.8 L/yr
66% more than the average Cluster Credit Manager Salary in India
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What Piramal Group employees are saying about work life

based on 1.1k employees
58%
61%
37%
99%
Flexible timing
Monday to Saturday
Within city
Day Shift
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Piramal Group Benefits

Submitted by Company
Free Transport
Job Training
Soft Skill Training
Health Insurance
Submitted by Employees
Health Insurance
Job Training
Free Transport
Soft Skill Training
Free Food
Cafeteria +6 more
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Piramal Group Mumbai Office Location

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Mumbai, Maharashtra Office
Headquarter
Piramal Tower, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400063, IN Mumbai, Maharashtra
400063

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