Regional Credit Manager

1 day ago


Madurai, Tamil Nadu, India Hinduja Housing Finance Full time ₹ 10,00,000 - ₹ 30,00,000 per year

Role & responsibilities :

  • Managing the regional credit function.
  • Deliver Credit assessment of Home Loans and Loan against Property
  • Follow TAT, Compliance, policies and procedures as per NHB guidance.
  • Maintain a department organizational structure sufficient to meet all goals and objectives to include a fail proof succession plan
  • Responsible for the full function of Credit Vetting Department
  • Manage, train, up-skill, motivate, retain and recruit staff
  • Measure department performance with appropriate metrics
  • Provide for ongoing training of the Credit Vetting and Fraud staff3.

Tactical Role:

  • Establish and Manage the Credit function using the principle of de-centralized assessment and centralized decision.
  • Responsible for ensuring sensible credit norms resulting in a high-quality of portfolio.
  • To assess the viability of credit lending proposals from credit as well as risk perspective based on institutionalized processes and dynamic market information at Multiple Branch level situated at different cities of different states called Zone.
  • Assessment of proposal leads to decision of not going ahead with the proposal or Approval of the cases which fall under the credit delegation authority of Regional Credit Manager Level or Further recommendation and presentation of the proposal to respective committee level.
  • To ensure efficient Turnaround time (TATs) for validating the proposals
  • To co-ordinate with MOG and other support functions for operational effectiveness
  • To monitor and highlight MIS to the section head and local credit as well as business team for better business understanding
  • To work towards skill enhancement and team building
  • Appointment, Development, Training and Performance of the Credit Analyst team of the Unsecured Loans Credit & Risk Team.
  • Manage Productivity, file processing cost within the budgeted levels.
  • Ensure processing of files within agreed Timelines.
  • Monitor key indicators on FPD, delinquency within designated portfolio, PDD and OTCs
  • Identification, hiring, training and retention of the desired Credit staff at location, cluster & branch levels
  • Implement the performance management system and culture as per the objective of the organization
  • Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved

Supervisory:

  • Prepare and review credit applications made and provide assessment
  • Conduct financial statement and business analysis for loan eligibility.
  • Preparation of applications in conjunction with the credit team for loan sanctions where loan amount is higher than RCM sanction authority
  • Work in partnership with Sales teams on new and existing credit applications, prov
  • iding guidance on credit appetite and other pertinent information prior to applications being made
  • Support and contribute to specific projects as determined like ERP Loan Origination Systems
  • Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products
  • Support the NCM in identifying training and development needs of Vendors and initiation support staff in relation to policy & process.
  • Participate actively in general good credit governance initiatives and uphold highest standards of risk management.


  • Madurai, Tamil Nadu, India Kotak Mahindra Bank Full time ₹ 8,00,000 - ₹ 12,00,000 per year

    Credit Manager-Business Loans-Credit Role : Credit Manager for Business Loans Responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies. They analyze financial information, monitor loan performance, and manage collections, ultimately minimizing...


  • Madurai, Tamil Nadu, India Candidate Experience site Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    Role Overview: As a Regional Sales Manager for Gold Loans, your main responsibility will be to drive the growth of the gold loan business in your assigned region. This will involve managing sales teams, implementing regional strategies, achieving sales targets, and ensuring operational compliance. Key Responsibilities: - Achieve monthly, quarterly, and...


  • Madurai, Tamil Nadu, India ONEX LIFE SCIENCE Full time ₹ 48,00,000 - ₹ 4,16,00,000 per year

    Work Location: Madurai (Rest of Chennai)Two years of consistency in present or the previous company is required.Senior ABM candidate can also apply for this role.Work ExperienceExperience in Pharmaceuticals: Generally 5-10 years of experience in the pharmaceutical industry, with a focus on sales or marketing.Equal number of people handling Experience or...

  • Deputy Manager

    7 days ago


    Madurai, Tamil Nadu, India Bajaj Finserv Lending Ltd Full time ₹ 60,00,000 - ₹ 1,20,00,000 per year

    Job Description JOB DESCRIPTION Job Purpose This position is open with Bajaj Finance ltd. First link of management between the executors i.e. field staff and management. An effective communicator with exceptional relationship management skills with the ability to relate to people at all levels of business and management. Delivery of business AOP objectives...


  • Madurai, Tamil Nadu, India Equitas Small Finance Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role & responsibilitiesTalent Strategy & PlanningTalent Acquisition SupportPerformance ManagementSuccession PlanningLearning & DevelopmentEmployee Engagement & RetentionDiversity, Equity, and Inclusion (DEI)HR Analytics & ReportingCompliance & GovernanceStakeholder CollaborationRequired Skills & Qualifications:Bachelors degree in HR, Business Administration,...

  • Area Sales Manager

    3 days ago


    Madurai, Tamil Nadu, India Kotak Mahindra Bank Full time ₹ 1,20,000 - ₹ 1,80,000 per year

    Area Sales Manager-OLD CAR FINANCE-Sales Area Sales Manager - Old Car Finance-Sales Job Responsibilities: Responsible for used car/alternate channel business for the region Plan, organize and achieve overall budgeted targets Plan and coordinate activities through sales team Liasion with cross functional teams to recruit and onboard...

  • Territory Manager

    7 days ago


    Madurai, Tamil Nadu, India Safexpress Private Limited Full time ₹ 35,00,000 - ₹ 45,00,000 per year

    The ideal candidate will be responsible for overseeing end-to-end business operations within the assigned territory, with a focus on driving business retention and expansion. They should possess strong acumen in understanding customer needs, implementing effective sales strategies, and identifying growth opportunities, while maintaining a keen awareness of...


  • Madurai, Tamil Nadu, India Kotak Mahindra Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Relationship Manager-Loan Against Property (LAP)-Sales Job Description Job Title: Relationship Manager – LAP Designation: Manager Department: Sales – Loan Against Property Reporting to: Area Sales Manager Location: [Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one...

  • Account Manager

    1 day ago


    Madurai, Tamil Nadu, India KAS Jewellery Full time ₹ 4,80,000 per year

    Job Summary:We are looking for a dynamic and experienced Accounts Manager to oversee and manage all accounting operations, ensure compliance with financial regulations, and support the management in strategic decision-making.Key Responsibilities:Manage day-to-day accounting operations including cash, bank, journal entries, purchase & sales records.Handle...

  • Marketing Manager

    7 days ago


    Madurai, Tamil Nadu, India Amity University Full time ₹ 3,00,000 - ₹ 5,40,000 per year

    Role DescriptionThis is a full-time on-site role for an Education & Marketing Manager at Amity University. The role involves providing educational consulting, student counselling, career counselling, and communication with current and prospective students. The Education Marketing & Counsellor will be responsible for promoting educational programs and...