Cluster Credit Manger

Job description

5.1 JOB DESCRIPTION: Job Title Cluster Credit Manager Reporting to Unsecured loans Location Bangalore Purpose of the Position To manage credit management function and oversee the according to policy and process 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 execute credit appraisal and monitor the same for the location Ensure adherence to the policy & compliance in the location Head Credit RCM Credit CCM To execute productivity as per the business plan To ensure TAT as per the policy for seamless business operations To ensure portfolio quality To maintain the approval rate as per the policy guidelines To coordinate with the sales team and develop business strategies Key Result Areas Disbursement Target Login to Sanction Non-Starter& Bounces in 6 MOB Fraud Cases Approval Ratio& Productivity (Planned Vs. Actual) 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 Graduation Exposure Banking,NBFC Years of experience Target industries Banking,NBFC