Regional Credit Manager

Job Description

Looking for regional credit Manager who has prior experience in Business Loan Under Writing Pre & Post Sanctioning Process, Team Handling, Credit Appraisal Unsecured Loans Process.

Roles and Responsibilities

• Manage a Team of 10-20 Credit & Operations Officers based out of the Hyderabad/Indore Office to ensure better productivity and quality.
• Supporting the Team in credit rating evaluation and underwriting processes of new business loan products.
• Mentor team for managing pre-sanction diligence and post-sanction monitoring of account
• Train the team of Credit & Operations Officers, provide them guidance in day-to-day activities and monitor loan origination malpractices and frauds.
• Recruit, train & build a high-performing field Underwriting Team for ensuring the adherence of credit policies and processes.
• Verify the Business Loan underwriting process; loan appraisal, appraisal review, review of credit bureau reports and loan application along with KYC and other supporting documents submitted by Sales Managers.
• Recommend or Approve MSE loan proposals as per the product/policy and as per delegated powers.
• Provide suggestions on the MSE Business Loan appraisal system to make the process more efficient to minimize the risk and maximize the quality of the loan portfolio.
• Keep Industry and market changes in mind while recommending and approving cases. Generate market intelligence on emerging risks including competition in our markets.
• Assist Management to make loan portfolio quality analysis and share the findings with Regional and Area managers for taking required action to improve the quality.
• To monitor nonstarters/Cheque bounce trends, the incumbent will also be required to interact with the customers in the portfolio on an ongoing basis for credit-related issues.
• Coordinate with Collection Team on recovery of loan delinquencies and ensure 100% loan recovery.
• Make regular Branch & Field visits and review the loan appraisals and sanctions made by the CPOs.
• Preparing dashboards with efficiency and productivity ratio analysis.
• To ensure Audit compliance and regulatory compliance for the location.
• Desired Candidate Profile:
  

The person should be a Graduate/MBA from a recognized institution with a minimum of 12+ years of experience in Credit Underwriting in Banks or NBFCs.

• 
  Strong knowledge of the Credit Underwriting process and policy for business loans.
• 
  Mandatory supervisory experience in Credit Management is a must.
• The candidate should have handled a team of at least 5-10 members.
• Should have handled Unsecured/Secured Business Loans of ticket s between 3-20 Lakhs.
  Excellent oral and written communication, with proven skills in consulting with internal business clients and external customers
  
• A versatile, dynamic candidate who demonstrates initiative, is results-oriented, and flexible
  
• Strong leadership capabilities evidenced by the ability to gain the trust of, negotiate with, influence, and motivate a diverse group of stakeholders of varying levels
  
• Ability to drive change and improve the end-to-end processes with a strong, proven track record in business process re-engineering and systems analysis
  
• Should be able to speak and read Kannada & English for Bangalore location and Tamil & English for Tamil Nadu location. Knowledge of Hindi will be an added advantage.
• Job Locations: Hyderabad, Indore