Cluster Credit Manager

1.Driving the credit practice for our BL segment within the defined risk philosophy of the   company

 2.Leading the team of credit managers to ensure due diligence in credit analysis, deviations management, evaluation, underwriting and sanctioning of loans. Set-up standard approach of credit through hind sighting practice

 3.Set-up and lead the team of credit managers for managing day to day credit approvals under our PL/ BL vertical, drive towards assessing creditworthiness of the borrowers by using data points available along with adherence to the defined Credit policy checks

 4.To ensure Audit compliance and regulatory compliance in the overall  credit process substantiated through right eligibility calculations in CAM

 5.Interact with the channel partners to gather business trends and developments; Implement good practices and share early warning trends with teams

 6.Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products

 7.Working in sync with the data analytics and policy team to proactively contribute towards real time calibration of credit policies

 8.Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required

 9.Keep and promote razor sharp focus on the delinquencies that may come up in our lending programs. Key aspect shall be to recommend changes in our credit policies/process/practice as a learning from the delinquencies.

 10.Promoting the culture of teamwork within the team, also ensure to continuously upgrade the skills of our credit managers with credit, market and industry intelligence

 11.Monitoring and ownership of a complete product portfolio amongst different products/channels we may work with. Monthly analysis of parameters like customer base, profile, loan average ticket size and tenure, if are within the decided norms

 12.Ideate and implement latest available digital tools that can make credit practice stronger and advanced.