Branch Credit Manager

Job description

Job Role :

    • Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.

    • Verifying the promoters track record & ascertaining their credit worthiness.

    • Analysis of the financial statements of the prospective customer to identify the short term & long term

    • solvency & liquidity position

    • To ensure Bounce Rate and Delinquency are within acceptable standards.

    • Monitor and enforce approval rate and TAT as per prescribed standards.

    • Monitor and ensure that monthly Branch audit score is satisfactory.

    • Vendor Management.

    • To conduct customer meeting to evaluate credit proposal

    • PDD Tracking and closure

    • Compliance to repayment instrument replenishment to ensure regular repayment of EMI

Key Responsibilities :

    • Credit Decisions

    • Take sound lending decisions based on available information & interactions with the applicants.

    • Manage credit quality and control delinquencies, frauds.

    • Monitoring Performance

    • Managing performance in terms of key drivers i.e.

    • 0-Loses / Portfolio quality parameters.

    • 0-Cost of credit administration.

    • 0-Employee Productivity.

Mandatory Skills :

    • Graduate/Postgraduate.

    • 4-6 years Credit/Underwriting experience.

    • Understanding of portfolio metrics.

    • Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.

Forward your updated resume - Murugasurya.p@hdbfs.com

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Regards,

Surya

HR - Team

HDB Financial Services

murugasurya.p@hdbfs.com