Job Description
Credit Underwriting of Business Banking proposals of ticket size cases.
• Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT.
• Understand policies and implement process to ensure smooth flow of transactions.
• Conduct personal discussion with customers/corporates. Understand their business type, source of income, turnover, balance sheets, annual results etc.
• Employ tools such as automation and digitization to increase process efficiency.
• Conduct detailed analysis of delinquencies and recommend changes to the product teams.
• Ensure the successful adoption of internal compliances & regulatory framework across the business.
• Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation.
• 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.
• 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
• Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT.
• Understand policies and implement process to ensure smooth flow of transactions.
• Conduct personal discussion with customers/corporates. Understand their business type, source of income, turnover, balance sheets, annual results etc.
• Employ tools such as automation and digitization to increase process efficiency.
• Conduct detailed analysis of delinquencies and recommend changes to the product teams.
• Ensure the successful adoption of internal compliances & regulatory framework across the business.
• Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation.
• 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.
• 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
💡 Quick Summary
Seeking a career-building opportunity? The Credit Manager position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
