Job Description
Job Description :
Credit Delivery To ensure that bottom 5 identification for each credit deliverable is well understood and desirable treatment / caution is exercised in decision making in order to improve performance on these deliverables.
Any unplanned growth which may be harmful for the health of the book must be identified timely and dealt accordingly.
To ensure through the door population is influenced by multiple way/fruitful discussions with senior members of the teams-liability/asset bringing positive change in the sourcing quality to ensure portfolio quality remains at highest levels.
Highlighting opportunities available for quality business from various markets/products.
To stop process leakages and ensure right treatment to PQ / GC / One touch & other selected customer base.
To conduct fortnightly review of TAT, approval rate, rejection reason, sourcing mix in TTD with stake holders involving RSM / ROM / RCLM & Regional RIC Head.
To ensure optimization of productivity utilization and appropriate lending authority to the team based on merit.
To interface with Dealer & DSA principals / managers along with business stake holders and encourage then to give us first right of rejection.
To underwrite RBA and appeal cases review in close coordination with stake holders balancing the risk vis-a-vis opportunity of business.
Credit Quality To ensure 3 MOB and 6 MOB risk indicators are well within control and budgeted numbers.
Any adverse trend in chq bounces and Non Starter to be reviewed, root cause identified and corrective action to be taken.
Monthly review of ATOM and plan action along with the team for implementation and update senior management. Sourcing from bad channels to be controlled and ensure DSA review mechanism is strictly implemented. To keep PAR error rate
Credit Delivery To ensure that bottom 5 identification for each credit deliverable is well understood and desirable treatment / caution is exercised in decision making in order to improve performance on these deliverables.
Any unplanned growth which may be harmful for the health of the book must be identified timely and dealt accordingly.
To ensure through the door population is influenced by multiple way/fruitful discussions with senior members of the teams-liability/asset bringing positive change in the sourcing quality to ensure portfolio quality remains at highest levels.
Highlighting opportunities available for quality business from various markets/products.
To stop process leakages and ensure right treatment to PQ / GC / One touch & other selected customer base.
To conduct fortnightly review of TAT, approval rate, rejection reason, sourcing mix in TTD with stake holders involving RSM / ROM / RCLM & Regional RIC Head.
To ensure optimization of productivity utilization and appropriate lending authority to the team based on merit.
To interface with Dealer & DSA principals / managers along with business stake holders and encourage then to give us first right of rejection.
To underwrite RBA and appeal cases review in close coordination with stake holders balancing the risk vis-a-vis opportunity of business.
Credit Quality To ensure 3 MOB and 6 MOB risk indicators are well within control and budgeted numbers.
Any adverse trend in chq bounces and Non Starter to be reviewed, root cause identified and corrective action to be taken.
Monthly review of ATOM and plan action along with the team for implementation and update senior management. Sourcing from bad channels to be controlled and ensure DSA review mechanism is strictly implemented. To keep PAR error rate
💡 Quick Summary
Seeking a career-building opportunity? The Regional Credit Mgr|Insta position is now open for candidates interested in the Bank Jobs sector. This role in Kolkata 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.