Strategic Retail Credit Risk Manager

3 days ago


Pune, Maharashtra, India Axis Bank Full time

The Retail Credit Risk Manager position at Axis Bank requires a Legal and Technical expert to oversee project approvals, builder/project visits, property sanctioning, and financial analysis of customers. Key responsibilities include ensuring cost rationalization, approval rates, adherence to APF TAT, audit and compliance, customer satisfaction, market feedback, and providing training to Axis Sales, SM, and CPC teams.

Key Responsibilities:

  1. Cost Rationalization: Share region and location-wise top cost data to reduce costs as per targets, sourced from the Cost team.
  2. Approval Rate: Ensure the percentage of approved projects to the total received for approval, based on data from the BIU & CO team.
  3. APF TAT: Ensure adherence to Average Processing Time and individual case times, sourced from the BIU, CO-Team, and Shikhar MIS.
  4. Audit and Compliance: Ensure compliance based on internal and concurrent audits, with reports submitted to the target team.
  5. Customer Satisfaction: Reduce escalated customer complaints and ensure customer satisfaction.
  6. Market Feedback: Provide feedback on market changes, new project leads, and data from RCM, RSM, and Central teams.
  7. Training: Provide training to Axis Sales, SM, and CPC teams on Legal & Technical processes.

Qualifications:

Optimal qualification for success in this role is a BE (Civil) from a recognized institute.

Role Proficiencies:

For successful execution, the candidate should possess:

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


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