Credit Specialist (4-6 yrs)

Credit Specialist

Core Responsibilities:

Credit Underwriting:

- Take Decisions based on customer documents (KYC and Financial documents) , Credit Approval Memo and verification reports.

- Decision the file based on policy norms and within the permitted TAT.

- On receiving additional documents initiate process for sanction (seeking approvals).

- Ensure closure of deferral cases within the defined time limits.

Personal Discussion with customers:

- Meet the customers personally for analyzing and assessing the business set up, end use of loan and business projections etc.

- Submit duly signed report ( on system) for future reference.

Portfolio Management:

- Track credit processes and monitor adherence to all compliance and regulatory norms as well as organization policies.

- Monitor delinquency across locations and regions.

- Monitor and assess credit manager delinquency.

- Introduce measures to Control delinquencies.

Interact with channels:

- Meet channel partners to boost business volumes, quality of sourcing, TAT monitoring etc.

- Provide training to channel partners on policies and processes.

- Monitor and Interact with External Vendors or Third party service providers.

- Monitor and review Service Quality of vendor (TAT, Quality of reports, customer details captured).

- Conduct periodical updates with respect to policy and process changes with the vendors.

- Reduce credit cost incurred through vendors.

Supplementary Responsibilities:

- Resolve Audit queries.

- Provide inputs on process and policy improvements.

- Take feedback from markets (through credit teams) for introduction of new products, feedback on processes and alignment of the same with the industry.

- Train Credit Officers/ CPC team for enhanced performance on policies and processes.

Records/Trackers/Reports maintained by role:

- Channel Visit Report.

- Vendor visit report.

- Daily productivity report.