Responsibility

• 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

Behavioral 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