Branch Manager

1 month ago


Thane, India Indifi Full time

Role – Branch Manager LAP


Location: Meerut, Agra, Aligarh, Lucknow, Kanpur, NCR, Jaipur, Ajmer, Bikaner, Sikar, Jhunjunu


Experience: Relevant: 7 to 10 years



EDUCATION

Minimum: Post-Graduate, Preferably: MBA (Finance)


ROLE OBJECTIVE


Responsible for credit approvals of Prime/Affordable Housing Segment for multiple lenders. Adherence to Policies and Process of the Organization within the agreed TAT. Ensure implementation of Best Credit Practices.

Co-ordinates With

• Sales

• Product

• Credit Policy

• Risk

• Lender Partners

KEY RESPONSIBILITIES


• Implement and Act in accordance with Organization’s Policies and Process and Credit Delegation

• In addition, adhere to Regulatory and Audit Compliance

• Review and Monitor Underwriters in terms of Loan Appraisals, TAT, Risk Appetite and Support to Business

• Monitor Portfolio Quality

• Provide valid inputs to Policy Team on hindsight and Competition benchmarks

• Assist towards Process – Key Improvement Activities

• Ensure quality metrics of underwriting are maintained with error rates maintained within threshold limit.

• Proactively inform about Red Flags and Triggers

• To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures

• Training the Credit Managers on Processes and policies

• Work Closely with Sales Managers in Zones, Credit team and business teams of lenders to constantly refine credit underwriting processes in Zone across regions

• Partnering with risk and policy teams to align products and policies , build on data driven underwriting practices

• Actively get involved in New lenders onboarding process, setting up process and policies and regular interaction with lender’s credit and operations team

• Actively looking out for automation initiatives enabling better underwriting practices and lender delight

• Travelling to multiple locations for training purposes as per requirement Domain/Functional


Domain/Functional Skills

• Financial Skills required for Underwriting

• Behavioural Pattern of Customer Profiles. Market Risk and pattern of credit off takes

• Region Specific – Business practices and market knowledge

• Vendor Management

• Leadership skills

• Product and documentation knowledge

Managerial/Soft Skills

• Power Point Presentation

• MS Word and Excel


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