OB TITLE Credit Manager -PLLocation BangalorePurpose ofthe PositionTo manage credit management function and oversee the according topolicy and process credit control of all loan filesTo achieve disbursement target as per the businessplanTo take prudent credit decision & sanction proposalbased on available information and interact with theapplicantsTo execute credit appraisal and monitor the same forthe locationEnsure adherence to the policy & compliance in thelocationTo execute productivity as per the business planTo ensure TAT as per the policy for seamless businessoperationsTo ensure portfolio qualityTo maintain the approval rate as per the policyguidelinesTo coordinate with the sales team and develop businessstrategiesKey Result AreasDisbursement TargetLogin to SanctionNon Starter & Bounces in 6 MOBFraud CasesApproval Ratio & Productivity (Planned Vs. Actual)Behavioural CompetenciesIntrapreneurship: Has business focus; Remains abreast with business and market realitiesand puts business in frontStrategic: Visualizing business risks; having long-term vision and come up with prioritiesand ideasProblem Solving: Ability to get to the root cause of the problem and come up with solutionsDecision Making: Using facts, data and experience, to take appropriate and timely decisionsTeam Management: Ability to handle, motivate, coach and develop a team; ability todelegate tasks, conduct reviews and give constructive feedback