RC - Regional Credit Manager - CV/CE - Retail Credit

�        Manage a team of 5 to 10 CPC Credit Underwriters � CV/CE / Area Credit Managers �CV/CE

�        Ensure� smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time as defined by the Bank

�        Underwriting/review of Credit Proposals including Review/Renewals of the proposalsby ensuring� adherence to the standard process, Turn Around Time and decision consistency

�        Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

�        Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segmentsto ensure maintenance of a healthy portfolio

�        Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

�        Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

�        Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme

Optimal qualification for success on the job is:

�        Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute

�        Experience of over 5 to 7 years in assessing credit of Commercial Vehicle and Construction Equipment Product

For successful execution of the job, the candidate should possess:

�        Knowledge of credit, relevant industry and product trends

�        Knowledge of regulatory guidelines and norms

�        Good communication (both verbal and written) skill in both English and the local language

�        Ability to handle pressure and meet deadlines