Rc - Credit Officer - Pl - Npc

4 weeks ago

Mumbai Maharashtra, India Axis Bank Full time

**RC - Credit Officer - PL - NPC**

**INTERNAL USAGE**:
**No. of Vacancies**:
**Reports to**:

- Manager**Is a Team leader?**
- N**Team Size**:

- NA**Grade**:

- AM/DM**Business**:

- Underwriting**Department**:- Retail Credit**Sub**Department**:

- Centralized underwriting**Location**:

- Mumbai/Noida/Hyderabad/Bangalore/Chennai**About Retail Credit**
- The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes**About** **the** **Role**
- The - Credit Officer
- PL manages core underwriting for Personal loan, Underwriting will be for various different channels.**Key Responsibilities**
- Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
- Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.
- Early Warning Signal
- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.
- Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
- Training, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products. Feedback from Head Credit - & Other stake holders will be the source.
- Stakeholder management

**Qualifications**
- Optimal qualification for success on the job is:_
- Graduate / Post
- Graduation (MBA/ CA preferred)
- Fresher or Experience in retail credit

**Role Proficiencies**:

- Knowledge of credit, industry and product trends
- Knowledge of regulatory guidelines and norms
- Good communication (both verbal and written) skill in both English and the local language

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