Cluster Credit Manager

Job Description KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business: - Manage if the Policies and Processes are effectively followed in the field by Distribution and Credit - Train and Certify HV and GRT Person on Policy and Process revision - Provide feedback about the Policy and Process based on the Field Understanding - Conduct Area Surveys and Cross check as and when required - Review the Negative areas regularly - Rollout of new technology across all the branches - Conduct GRTs/HV on sample basis to understand the ground realities. - Identify and highlight issues / deviations in the field for necessary action - Escalate field issues with respect to customers, field issues and competition - Take necessary steps to Manage Good Portfolio quality while underwriting the loans - Manage the data and reports are effectively used for managing team and Risk in the field - Visit Overdue cases, understand the issues and prepare reports or case studies - Follow up for collections in the early bucket - Prepare action plan for critical Overdue cases for collections - Initiate write-off of non-recoverable accounts as per the defined policy and process - Supervise 6-8 Credit Officers in the field. - Manage Internal and External Risk assessment is being done for all the branches - Co-ordinate with Distribution team for effective utilization of the resources - Provide Audit compliances timely for the internal and external audits - Recommend credit policy changes based on field insights to the senior management - Involve in Areas Surveys, Area Cross check and review of Negative areas - Train Distribution and Credit on the policy and processes, new technology changes etc. - Engage with Audit and Risk team to monitor credit risk and participate in audit closure meeting - Escalate field issues and Manage actions are taken as per defined Penalty Matrix - Manage healthy branch portfolio through regular follow-ups and visits with delinquent / critical clients - Visit FTODs, Non-starters, and prepare action for collection - Execute action plan for high risk / poor scoring branches along with Distribution team - Co-ordinate with other departments for effective risk management - Supervise a team of 6-8 Team Lead and / or Credit Officers-IL at field - Recruit good Officers and build strong Credit team in the field Customers: - Work with CRM and Branch Head for effective implementation of Credit Policies and utilization of resources in the field - Engage with Branch Head and State HR for trainings and refresher trainings - Work with Auditors, Audit Officers and Vigilance Officers for identification of deviations in the field and to take necessary actions - Discuss with Customer and staff to Understand the Customer and Field staff requirements while framing the policies and processes - Engage with customer and staff to understand the customer and field staff requirements while suggesting for changes in policies and processes - Co-ordinate with Branch Head & Collections Officer for effective collections management - Manage credit team provides good service to customers through efficient processing of applications - Recommend the right product and loan amount to the right customer Internal process : - Manage adherence to all regulatory norms with respect to KYC & Documentation and Customer Selection - Manage adherence to all internal policies & processes with respect to Credit - Manage approvals in field are within defined Credit TAT of Group Loans - Manage that the Issues and deviations are escalated appropriately to the concerned department and supervisors - Highlight system risks associated with branches / areas - Report/ Escalate critical issues at field in IDM / Risk Review - Manage appropriate action against non-starter loan originators - Manage timely & accurate submission of daily, weekly & monthly reports Learning & Performance: - Train and handhold Credit Officers, CRMs and Branch Head. - Monitor daily performance of the Credit Officers - Monitor performance of staff against defined goals/metrics and take corrective action - Manage goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees - Manage adherence to training man-days/ mandatory training programs for self and reportees - Manage overall staff satisfaction as per Great Place to Work Survey - Manage timeliness & discipline among team & cordial relationship with IL Team - Identify training needs to support the business and Provide the training with good resources - Manage necessary feedback is given to team on regular basis.