Area Manager - Retail Credit

Core Responsibilities:

• Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
• Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities.
• Study , Analysis & interpretation of legal & technical reports.
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
• Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA)
• Effectively Manage & upskill Credit Managers /CPA along with allocation of workload.
• Follow up and ensure recovery of quick mortality cases between
• -
• MOV.
• Audit Compliance on all aspects stipulated by corporate office and regulatory compliance.
• Vendor Management - Vendor Empanelment as per business requirement & vendor Review on periodic basis.

Various MIS as per the requirement of Corporate office.

Desired Experience: Minimum