| 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 |
| Zonal Credit Manager will be a team leader role wherein all Regional Credit Managers would be reporting. Core job will be to ensure smoot functioning of credit Appraisal activities undertaken by RCMs. Responsible for building a quality portfolio. Ensure underwriting adherence to the processes designed by the bank |
| Key Responsibilities |
- Ensure smooth functioning across zones by meeting productivity benchmarks and defined TATs for Asha Loan underwriting across regions.
- Oversee quality of credit decisions and portfolio performance across regions, ensuring alignment with Asha-specific underwriting frameworks.
- Drive consistency in credit decisions across regions by guiding RCMs on interpretation of policy, deviations and risk assessment in informal segments.
- Monitor portfolio health (FPD, delinquency trends, segment-wise risk indicators) and initiate zonal corrective strategies.
- Ensure adherence to audit, policy and compliance standards across all regions.
- Work closely with CO, Risk and Business teams to design and refine Asha underwriting norms and risk controls.
- Drive process efficiencies, digital adoption and participation in pilot initiatives specific to Asha Loans.
- Support expansion to new geographies and channels with controlled risk approach.
- Manage stakeholder relationships across Credit, Business, Ops and Risk functions to ensure alignment on growth vs quality.
- Lead capability building of Regional Credit Managers and ensure succession readiness.
- Drive team engagement, productivity and attrition management across zones.
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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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