Senior Banking Partner
3 weeks ago
About the Role
The Regional Manager-Credit Analyst is responsible for managing a team of Credit Analysts responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Teams for Nano Business loans.
The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank. The role will be taking care of entire states or parts of states based on the portfolio size.
Key Responsibilities
- Manpower planning and hiring for the region
- Tracking and improving manpower productivity
- Ensure the verification process is compiled within expected TAT with first-time right approach
- Ensure Credit Analysts are trained on the policy and processes
- Imparting training to Sales Officers/Managers for quality sourcing
- Fraud risk management
- Managing compliance on documentation
- Managing early delinquencies to ensure portfolio is healthy and there are no non-starter cases
- Keeping regular track of competition and reporting new products/market development/Legal risks/Political Risks/Local demographic issues
- Periodic visits of customers and cross-checking of sourcing quality/loan utilization
- Adhering to the bank's policies and ensuring compliance of the same
Qualifications
Optimal qualification for success on the job is:
- Education: Graduation/Post-Graduation
- Experience: 5-10 years of experience in verification/PD-based assessment of customers in banks or NBFCs for Nano/Micro Business Loans/Small ticket LAP/Self-employed PL/AHL
- Good understanding of Micro/Small unsecured business loan, Affordable housing or Small ticket LAP
About Axis Bank
Incorporated in 1994, Axis Bank is one of India's most trusted banks & the third-largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.
The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.
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