Credit Manager

Regional Credit Manager - CF - Credit Monitoring - Mumbai - Lodha (I-Think Techno Campus) - MM*

1  Support and co-partner with business teams to manage end to end credit approval for the designated region.

2  Underwrite for all customer segments for corporate finance products and present to senior level.

3  Authorize deviations raised and documented by underwriters in compliance with credit policy.

4  Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.

5  Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.

6  Oversee and initiating follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.

7  Co-ordinate with the recoveries team and generate business insights.

8  Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching To continuously upgrade the competency of the team and improving upon processing efficiency of the HUB

9  Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region

10  Ensure compliance to all Audit /other regulatory regulations as well as processes, policies and reports as per company designed systems

11  Ensure self updating on key regulatory changes and competition practices and appraise team members on the same

12  Extensive participating in all monitoring related activities

13  Active participating in collection follow up and delinquency management 

14  Maintaining the quality of the portfolio as well keeping the overall TAT of the region within the predefined and acceptable norms

15  To be able to regularly keeping abreast the team w.r.t. all update / modifications in the credit policies / processes etc.

Qualifications -

Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.