Regional Manager - Retail Credit

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail and affordable home loan business for all short and medium term products. Responsibilities

Core Responsibilities:
o Support and co-partner with business teams to manage end to end credit approval for the designated region
o Underwrite salaried SENP/SEP for retail and high value cases and present to senior level
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level.
o Ensure timely completion of personal discussion documents through customer visits in high value cases.
o Oversee and initiating follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
o Co-ordinate with the recoveries team and generate business insights.
o Lead a team of credit approvers to ensure portfolio quality and delinquencies.
o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
o Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region.
o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems