RC - Credit Officer - PL - NPC

2 days ago


Noida India Axis Bank Full time

Job Description 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 AbouttheRole 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 Graduate / Post- Graduation (MBA/ CA preferred) Fresher or Experience in retail credit Role Proficiencies: For successful execution of the job, the candidate should possess: 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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