| About Retail Credit |
| The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes |
| AbouttheRole |
| CPC Credit underwriting managers manages core underwriting activities at the Credit Processing Centres. Credit Processing Associates would be reporting. |
| Key Responsibilities |
- Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases to ensure timely decisioning.
- Validate data entry accuracy and ensure all borrower details, financial inputs and FI findings are correctly captured in systems.
- Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs and field validation reports.
- Take credit decisions in line with policy guidelines, risk frameworks and deviation approval mechanisms.
- Ensure adherence to audit, compliance and policy requirements, avoiding repeat audit observations.
- Coordinate with FI agencies, technical vendors and internal teams to obtain necessary inputs for effective underwriting.
- Provide continuous feedback on process gaps, policy changes and underwriting challenges specific to Asha segment.
- Participate in training initiatives, process improvements and pilot programs for enhancing underwriting efficiency.
- Manage stakeholder interactions with Business, Operations and Vendors for seamless case processing.
- Contribute ideas for process enhancements, automation opportunities and cost efficiencies.
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| Qualifications |
Optimal qualification for success on the job is: - Graduate / Post- Graduation (MBA/ CA preferred)
- Experience in retail credit with team handling.
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| Role Proficiencies: |
For successful execution of the job, the candidate should possess: - Knowledge of credit, industry and product trends
- Knowledge of regulatory guidelines and norms
- Good communication (both verbal and written) skill in both English and the local language
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