State Credit Manager-Rural
5 months ago
Job Description
Job Title – State Credit Manager
Place of work - Chhattisgarh
Business Unit - Rural Banking
Function – Credit
Job Purpose:
The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.
Roles & Responsibilities:
Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. Supervise a team of credit underwriters and provide guidelines Conduct personal discussion with customers to establish credit worthiness Control and contain front-end delinquencies by calling up customer on first presentation Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits Coordinate with sales to achieve targets and ensure SLAs are met Ensuring credit policy adherence to the accepted standards Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs . limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer serviceManagerial & Leadership Responsibilities:
Monitor key parameters on productivity, hiring quality and attrition rates and make necessary improvements Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight Attract and retain best-in-class talent for key roles in their reporting structure Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business Partner with Policies team to ensure all decisions are taken within the prescribed frameworkEducational Qualifications:
Graduate – Any (Full Time)
Post Graduate – Any (Full Time)
Experience:
8+ years of relevant experience in credit
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