Retail Credit Legal

2 weeks ago


Hyderabad, Telangana, India Axis Bank Full time
Job Title: Retail Credit Legal & Technical Manager - Collection & Underwriting

The Retail Credit Legal & Technical Manager - Collection & Underwriting is a critical role within Axis Bank, responsible for ensuring the smooth operation of retail credit processes. This includes project approval, builder/project visits, property sanctioning, and financial analysis of customers.

Key Responsibilities:
  • Ensure Cost Rationalization by analyzing region and location-wise top cost data to reduce costs as per target, sourced from the Cost team.
  • Ensure Approval Rate % by monitoring the percentage of projects approved to the total projects received for approval, sourced from the BIU and CO teams.
  • Ensure adherence to APF TAT and individual cases, average APF TAT and L2TS for individual cases, sourced from the BIU, CO teams, and Shikhar MIS.
  • Ensure audit and compliance by conducting internal and concurrent audits and submitting reports, with targets measured against these reports.
  • Ensure Customer Satisfaction and reduction in escalated customer complaints.
  • Ensure feedback about the market and key changes in the market and data on new project leads, sourced from RCM, RSM & Central teams, agency mapping, and management.
  • Responsible for providing training to Axis Sales, SM, CPC team on Legal & Technical processes.
Qualifications:

Optimal qualification for success on the job is:

  • BE (Civil) from a recognized institute.
Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

  • Proven Credit risk experience within retail banking.
  • In-depth analytical skills with the ability to digest and interpret complex concepts.
  • Good communication skills with the ability to communicate to multiple and varied audiences (technical and non-technical).
  • Understanding of Retail credit risk processes, systems, and scoring.
  • Knowledge of legal and technical matters.


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