| About Retail Credit |
| The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. Would be responsible for ensuring the maintenance of portfolio quality and for ensuring smooth credit appraisal processes in the Region. |
| AbouttheRole |
| Regional Credit Manager will be a team leader role wherein all Area Credit Managers would be reporting. Core job will be to ensure smoot functioning of credit Appraisal activities undertaken by Credit Manager & ACMs. Responsible for building a quality portfolio. Ensure underwriting adherence to the processes designed by the bank |
| Key Responsibilities |
- Ensure smooth functioning of the region by meeting defined productivity norms and maintaining Turn Around Time (TAT) for Asha loan cases, with continuous monitoring of Work-In-Progress (WIP) volumes.
- Ensure quality of credit appraisal for Asha segment, with focused assessment of informal income profiles and surrogate evaluation methods to minimize delinquency and build a robust portfolio.
- Drive adherence to underwriting policies, deviation frameworks and regulatory guidelines specific to Asha Loans.
- Ensure timely closure of audit queries, policy adherence and compliance requirements.
- Track portfolio health through early delinquency indicators (FPD, bounce trends) and take corrective actions at region level.
- Gather local market intelligence, including borrower behaviour, competition practices and emerging risk trends in the Asha segment.
- Collaborate with Business, Sales and Ops teams to balance growth with portfolio quality.
- Drive process improvements to enhance decision efficiency, TAT and customer experience for Asha Loans.
- Support roll-out of new locations, sourcing channels and product variants within Asha Loans.
- Manage vendors (FI agencies, technical agencies etc.) and ensure quality outputs.
- Lead, train and develop the credit team, ensuring capability building and managing attrition.
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| Qualifications |
Optimal qualification for success on the job is: - Graduate / Post- Graduation (MBA/ CA preferred) from good institute
- 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
- Team handling experience
- Ability to handle Pressure and meet deadlines.
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