National Credit Manager

3.2 National Credit Manager

Business Vertical: Housing

Line of Business: Credit

Department: Credit

Line Manager: Head - Credit, Risk & Valuation

Designation: National Credit Manager

Grade: M6- M8

On the rolls of: TCHFL

Location:

No. of Positions:

Job Dimensions

Responsible for handling team: Yes

Roles reporting into this role(Direct/ 1) Customers

Indirect):

Contact or Interaction with:

Travel Required: Yes

Position Type: Full time

Process Owner:

1) Credit

2) Internal sales teams

3)Channel Partners

4) Builders

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•

•

•

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Zonal Credit Manager

Regional Credit Manager

ACM Credit

Credit Manager

Credit Officer

Job Purpose

•

Develop initiatives to improve the overall credit strategy and co-partner with the sales team to underwrite the retail and affordable

home loan business PAN India

•

Design programs to improve the productivity and efficiency of the team

Responsibilities

Core Responsibilities:

o Build and lead a highly collaborative and proactive credit function that is able to navigate the increasingly complex business and regulatory

environment that the firm operates in.

o Develop credit appraisal and underwriting of entire home equity portfolio in a decentralized credit delivery environment and be aware of

early warning triggers and portfolio management.

o Achieve homogeneity in credit decisions by moving a majority of logins through business rule engines and implementing robust credit

processes to improve credit quality and product profitability.

o Design and formulate programs/policy changes to enhance growth and profitability of the home equity portfolio.

o Collaborate with product heads to reach untapped customer segments, strengthen product portfolio and help mitigate margin compression.

o Analyze financial statements and performance reviews and check the rating of the individuals given by CIBIL & match the same with

alternate (non-traditional) database.

o Ensure compliance to procedures laid down for processing, sanction, documentation and disbursement of home equity portfolio.

o Oversee and review the underwriting process at Pan-India region and ensure smooth implementation of credit policies, guidelines and

regulatory framework so as to avoid delinquency/losses.

o Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation

needs and regulatory framework

o Facilitate credit decisions on affordable housing loans cases based on policies, processes and merits of the case for limits beyond zonal

credit manager (ZCM) level.

o Oversee identification and resolution of fraudulent practices, mitigate risk through changes in policy and process supervise external agents

for verification process including fraud investigation, legal verification and technical evaluation.

o Monitor quality of business by ensuring GNPA is under control.

o Conduct surprise audit for branches periodically and share findings / reports with branches and senior management

o Evaluate individual performance for branch credit managers for my clusters branches and share with higher management

o Increase efficiency and productivity of the function by effectively managing relationships with the team.

o Give feedback to branch credit manager for their work and conduct regular discussion on portfolio behaviours and policy changes and

evaluate their understanding and awareness about policy

o Conduct regular policy training for branch credit team for policy refreshers as well as periodical training for policy and new addendum or

additions in policy

o Collaborate with cross departments both internally and externally to ensure smooth functioning of the credit processes.

o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Interdependencies

Functional Competencies

Competency

Beginner

Intermediate

Advance

Expert

Retail Credit Strategy & Policy

Retail Credit Underwriting

Retail Credit Systems and Process

Retail Credit Monitoring & Portfolio

Management

Retail Credit Team and Vendor

Management

Job Qualifications

Graduate : Yes

Desired Experience: Minimum 15 to 17 years in the field.

Masters/Postgraduate: Yes

Certifications: CA/MBA(Full time)

Others :

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TCHFL JD Booklet FY || 19