Job Information
-
Employee Type:
Full Time Jobs -
Contact Person:
Madhavi Chatterjee -
Contact:
9993411707 -
Location:
Bengaluru -
Job Position:
Regional Credit Manager -
Experience
10 to 15 Years -
Qualifications:
Under Graduate -
Salary:
₹1500000 - ₹ 1800000 -
Date posted:
17-Feb-24
Regional Credit Manager
Muthoot Finance
Bengaluru
Job Description:
| Job Title | Regional Credit Manager | ||||||||
| Reporting to | Head-Credit | ||||||||
| Location | Bangalore | ||||||||
| Purpose of the Position | To lead the regional credit management function and oversee the underwriting / credit control of all loan files | ||||||||
| Responsibility | |||||||||
| Execution | Sup'vn 1 | Sup'vn 2 | |||||||
| To achieve disbursement target as per the business plan | |||||||||
| To take prudent credit decision & sanction proposal based on available information and interact with the applicants | |||||||||
| To facilitate credit appraisal and monitor the same for the region | |||||||||
| To Implement credit policy and perform continuous evaluation and ensure adherence to the policy & compliance with the authority matrix at branches in the region | |||||||||
| To drive productivity as per the business plan | |||||||||
| To ensure TAT as per the policy for seamless business operations | |||||||||
| To ensure portfolio quality and right credit underwriting happens as per the guidelines | |||||||||
| To maintain the approval rate as per the policy guidelines | |||||||||
| To periodically visit the channel partners for understanding market and conducting competitor analysis | |||||||||
| To coordinate with the channels ,vendors and sales team and develop business strategies | |||||||||
| To organize product & policy training for the team periodically | |||||||||
| To do empanelment of the FI and RCU agencies and ensure TAT is maintained | |||||||||
| Key Result Areas | |||||||||
| Business Figures | |||||||||
| TAT | |||||||||
| Portfolio quality | |||||||||
| Productivity | |||||||||
| Policies and processes | |||||||||
| Technical Competencies | |||||||||
| Behavioural Competencies | |||||||||
| Intrapreneurship : Has business focus; Remains abreast with business and market realities and puts business in front | |||||||||
| Strategic : Visualizing business risks; having long-term vision and come up with priorities and ideas | |||||||||
| Problem Solving : Ability to get to the root cause of the problem and come up with solutions | |||||||||
| Decision Making : Using facts, data and experience, to take appropriate and timely decisions | |||||||||
| Team Management : Ability to handle, motivate, coach and develop a team; ability to delegate tasks, conduct reviews and give constructive feedback | |||||||||
| Qualifications | MBA | ||||||||
| Exposure | Banking,NBFC | ||||||||
| Years of experience | 12 to 15 | ||||||||
| Target industries | Banking,NBFC | ||||||||
