Branch Manager

1 week ago


jaipur, 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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