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Job Description & How to Apply Below
Job Title – Associate Credit Manager – CV & INF
Place of work - Mumbai
Business Unit - Retail Underwriting
Function – Retail Underwriting
Job Purpose
The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.
Roles & Responsibilities
Support underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honour the agreed SLAs and manage area business volumes
Conduct personal discussion with customers to establish credit worthiness
Help control and contain front-end delinquencies by calling up customer on first presentation
Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits'-Coordinate with sales to achieve targets and ensure SLAs are met
Help in ensuring credit policy adherence to the accepted standards
Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing
Help review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank's credit policy
Managerial & Leadership Responsibilities
Attract and retain best-in-class talent for key roles in their reporting structure
Educational Qualifications
Graduate – Any (Full Time)
Post Graduate – Any(Full Time)
Experience
1 or more years of experience in credit.
Position Requirements
10+ Years
work experience
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