RC - Regional Credit Manager - Mortgages Credit

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

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

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

�        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

�        Driving Process improvements for increase in efficiency level and participation in pilot runs/testing of projects.

�        Support to new locations, products. Stakeholder management & Vendor Management.

�        Nurturing Credit team & Manage attrition

Optimal qualification for success on the job is:

�        Graduate / Post- Graduation (MBA/ CA preferred) from good institute

�        Experience in retail credit with team handling.

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.