Branch Credit Manager | HDB Financial Services (HDBFS) | Jobs in Tirunelveli |

Company Name: HDB Financial Services (HDBFS)

Location : Tirunelveli

Job Description

Job Title : - Branch Credit Manager

Reports To : - Branch Manager

Job Role

• Key functions will be:
• Credit Decisions - Take prudent lending decisions based on sound judgment
• Portfolio Quality Management - Ensure healthy branch portfolio.
• People Management - Manage & motivate credit & branch teams
• Assist RCM with coordinating / managing RCU & verification vendors.
• Contribute to branch profit goals

Credit Decisions

• Take sound lending decisions based on available information & interactions with the applicants.
• Manage credit quality and control delinquencies, frauds
• Understand credit policy as well as credit environment in the city / branch
• Structure the right product to the customer during customer interactions
• Provide superior customer experience
• Manage the process required for delivering reasonable turnaround time
• Monitor portfolio indicators and ensure that they are within the desired levels

Monitoring Performance

• Managing performance in terms of key drivers i.e.
• Loses / Portfolio quality parameters
• Cost of credit administration
• Employee Productivity.
• People Management
• Motivate and develop credit resources

Skills / Competencies Required

• Graduate / Postgraduate (MBA/CA preferred)
• 4-5 years experience in Credit/Underwriting of Secured/Unsecured products
• Ability to manage credit processes & teams
• Understanding of portfolio metrics
• Strong inter-personal skills and leadership ability, which encourages and promotes enthusiasm and team spirit 
•  Salary: Not Disclosed by Recruiter
•  Industry: Banking / Financial Services / Broking
•  Functional Area: Financial Services, Banking, Investments, Insurance
•  Role Category: Credit Officer
•  Role: Credit Officer

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