Zonal Credit Manager - Loan Against Property (10-25 yrs)

Zonal Credit Manager - LAP

Job Description:

For Prime & affordable LAP:

1. Apply and suggest improvements in credit and underwriting policies & processes, infrastructure, development and deployment of underwriting models for LAP.

2. Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening initiatives to keep delinquencies under control while maintaining a balanced view of business profitability across various products in the given zone.

3. Maintain and update credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.

4. Reviews credit policies with business goals while being up-to date on competition policies & practices.

5. Prepare Risk & Credit Decks on monthly basis for a specific zone.

6. Develop strong internal and external relationships.

7. Responsible for ensuring sound understanding of credit policy across all relevant levels, in the team.

8. Product knowledge at market level & market segmentation, is necessary.