Credit Officer- Consumer Credit

Specific Responsibilities

• Managing team of Credit processing associates
• Credit Appraisal Underwriting/recommending of proposals for non-collateral/collateral backed education loan.
• Process Understanding process and policies and implementing the same to ensure smooth transactions.
• Training- Provide training to CPAs so that they work in synergy with the companies policies and norms
• Delinquency Management for the location
• Vendor / Cost management managing the outsource agencies and ensure TAT is maintained by these agencies.
• Quality Management in terms of Audit, Compliance and Hind sighting
• PDD Management controlling and tracking PDDs through proper MIS for the location

Key Performance Indicators

• Login to Recommendation TAT
• Maintaining Audit Compliance and errors in Hind sighting
• Training
• Delinquency control as per budget
• Cost management
• New initiatives

Technical Competencies / Skills

• Financial Appraisal of Salaried and Self Employed loan proposals
• Knowledge of Unsecured and Mortgage Lending Business
• Basic knowledge of Banking
• Good Knowledge of computer applications

Personal Attributes

• Leadership Qualities
• Drive for results
• Strategic Orientation
• Customer Centricity

Qualification -

Graduate/Post Graduate