Lead-Credit Evaluator.Credit Management-Retail CIC

• To manage direct and indirect teams based in both onshore/offshore
• To direct and control Mortgage application processing end to end including underwritingl processes by ensuring that the agreed service standards are met.
• To review the cases to ensure that all product Parameters and policy criteria are met
• Ensure Cards applications processing are checked and to meet the SLA as per agreed TAT and accuracy
• To ensure monthly exception tracking and reporting to relevant stake holders with adherence to escalation process
• To ensure that highest possible quality is maintained in Data Entry and UW processes by the individuals within the team.
• To ensure appropriate controls in place to track/monitor Original file receipt post disbursal and archival process adhered
• To ensure that all required controls, risk factors and procedures are maintained.
• To maintain a positive working relationship with personnel of the other sections/divisions/offshore teams

MIS management and weekly/monthly reporting to key business stake holders

1. High level of maturity and good communication skills are required to balance the needs and expectations of external stakeholders and staff
2. Good managerial and interpersonal skills with an ability to supervise teams
3. Sound knowledge of credit policies and understanding of systems
4. Must be able to work under pressure with short/ challenging deadlines
5. Graduate with 4-5 years work experience in RETAIL LENDING environment
6. In depth knowledge of procedures pertaining to Mortgage data entry and UW processes

SLA/TAT: Ensure daily SLA achieved by a combination of monitoring and reviewing performance, spot checks and ensuring team discipline. Also ensure that all queries related to routine activities are responded by the concerned units within the time frames pre-specified. Constantly focus on data entry quality/credit policies to increase the approval rate.

Team Management: Efficient and effective handling of team in order to surpass the departmental goals in particular and organizational goal in general. To approve changes to enhance and improve Process. Increase productivity and improve Leaders skills.

To review daily rejects/referrals and find ways to improve the reject/referrals thru training and applying continuous learning

Credit: Good knowledge of credit policies pertaining to Mortgage and adherence to the parameters fixed as per country credit.

Risk: Manage risks through exception reporting and reviewing applications processed. Ensure that all procedures laid down in the Operating procedures, PPG are adequately followed.

Interdependent co-ordination: To work closely with the other unit managers of / Business partners, Risk team to enable optimum co-ordination between the functioning of the units as well as enable adequate capacity planning to respond to forthcoming business volumes.

Morale: To promote an environment where all staff develop a sense of involvement in the conduct of their regular work and contribute ideas with the objective of achieving excellence in service quality.

Quality: To initiate and successfully follow up quality projects and productivity/work flow improvement reviews.

Escalation: Keep Unit/Division Heads advised of the regular activities and in particular, escalate exceptional occurrences, to enable appropriate action as well as report extraordinary occurrences and corrective and preventive actions taken.

Audit: To obtain satisfactory in group and other internal audits.

Operating Environment, Framework and Boundaries, Working Relationships

Problem Solving

Prompt trouble shooting and practical thinking is often required to resolve operational, service, and control issues which are sometimes complex and unique