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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