Chief Credit Officer

2 weeks ago

Navi Mumbai Mumbai Mumbai City, India beBeeCreditManager Full time ₹ 1,04,000 - ₹ 1,30,878
Regional Credit Manager

We are seeking an experienced professional to oversee the overall credit and risk functions for assigned areas. This role requires a leader who can manage vendor relationships, contribute to credit policy design, and ensure compliance and training initiatives are met across the region.

  • Credit & Risk Management: Manage overall credit and risk functions for assigned areas/locations. Responsible for processing and underwriting Construction Finance deals as per credit policy.
  • Policy Adherence & TAT: Ensure adherence to credit policy and defined processes, including TAT management, PD management, CAM quality, and Fraud Risk Management.
  • Business Enablement: Facilitate the business team in achieving monthly/annual business targets.
  • Portfolio Quality: Maintain portfolio quality, and be responsible for collections, delinquency, and NCL management.
  • Credit Policy Inputs: Provide inputs for designing and implementing credit policy and programs, new initiatives, and periodic changes based on sales team input and market feedback. Offer insights on competitor product and policy.
  • Site Visits & Due Diligence: Visit builder sites/client sites and prepare and submit reports on project completion, client business activity, and neighborhood/customer feedback.
  • Post-Disbursement Management: Responsible for PDD monitoring and collateral management. Coordinate with the Operations team for disbursal and the PDD process.
  • Vendor Management: Monitor and manage various vendors, including Legal, Valuation, CPV, FCU, ROC Search, and Stock Audit agencies. This includes vendor TAT management, visits, and payment management.
  • Team & Resource Management: Hire credit resources as per manpower budgeting, manage attrition, and oversee performance.
  • Compliance & Training: Ensure audit and regulatory compliance for your location/area. Coordinate training programs for credit/sales teams and impart induction training for subordinates.
  • Market Intelligence: Conduct reference checks for prospective borrowers from market links and existing lenders.

Requirements:

  • A bachelor's or master's degree in finance, business administration, or a related field, or equivalent experience.
  • Proven experience in credit and risk management, particularly in construction finance.
  • Strong understanding of credit policies, underwriting processes, and fraud risk management.
  • Expertise in portfolio quality management, including collections, delinquency, and NCL.
  • Experience in vendor management and site visit assessments.
  • Ability to contribute to credit policy design and implementation.
  • Strong leadership skills for team management, hiring, and performance oversight.
  • Excellent communication, coordination, and analytical skills.

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