Job Description

Job description Role & responsibilities : Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile : 10-15 years of relevant experience in Credit underwriting LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility