ASSISTANT CREDIT MANAGER

KEY RESPONSIBILITIES

Role and Responsibility

• Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget •
•  Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
•  To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) 
• To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning 
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
•  To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.
• To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. 
• To Watch closely the Competition activities and report the same to the Zonal and National teams. 
• To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep. 
• To Attract & Retain High Performers in the Team. 
• To Retain existing live loan customers. 
• To effectively liaison with law authorities for resolving conflicts if.

Portfolio Management:

• Overseeing the credit granting process for a company 
• Optimize company sales and reduce bad debt losses by maintaining the credit policy.
• Assessing the creditworthiness of potential customers and conducting periodic reviews of existing customers.
• Calculate and set interest rates.
• Negotiate loan terms with clients.
• Monitor payments.
• Maintain records of loan applications