Regional Credit Manager

4 weeks ago


Noida, India RATNAAFIN CAPITAL Full time

Job Responsibilities:


Functional Requirements:


  • Responsible for assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions.
  • Handling credit underwriting of Affordable Home Loans in the mapped region including visiting the customers.
  • Analyse delinquencies vs market trends specific to the location and provide related feedback to the sales /credit managers, including taking corrective action.
  • Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy


Team Management:


  • Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.
  • Monitor productivity of branch credit manager and conduct periodic branch visits for supervision and better oversight.
  • Training to Credit & Branch distribution team on monthly basis on Credit policy, latest amendments, improvement areas & collecting constructive feedback.


Policy & Product Development:


  • Identify areas of improvement in the existing process of Credit underwriting, Risk management & Operations & its implementation.
  • Reviewing the Credit policies of other competitors to keep the Credit policy of the organization as per market standard, collecting the feedbacks on competitors’ policies & portfolio.
  • Formulation of Credit policy within regulatory parameters & risk appetite of the organization.
  • Ensure implementation & adherence of Credit policy through training of Sales, Credit & Operations team.
  • Taking constant feedback from the team to clear any bottlenecks, solving issues & ensuring least attrition in the location.


Portfolio Management:


  • Reviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in current Credit policy.
  • Managing the changes in Credit policy as per market requirement to maintain healthy portfolio quality.



Desired Skills:


  • CA/CFA.
  • Experience as a Regional or Cluster Credit Manager in Affordable Home Loan segment will be preferred
  • Experience in End-to-End processing of loan proposals.


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