Please find the roles and responsibilities for State Credit Manager.

Be the key personal to Credit Head and work with him / her in planning and

executing the Credit strategy in Rural Banking vertical specifically in

Housing Loan & LAP, Micro Enterprise Loan, Personal Loan, Commercial

Vehicle, Tractor Loan, etc.,

Locations And the Current Area of Operations of IFBL is with 11 States

Tamil Nadu, Maharashtra, Kerala, Karnataka, Andra Pradesh, Telungana,

Bihar, Jharkhand Uttar Pradesh, Odisha, Pondicherry (UT) etc.,

Product Expansion This product line will be expanded as the organization grows; the

incumbent is expected to work closely with the Credit Head and other key

stakeholders to drive Credit Policy.

Oversee Credit lifecycle Analyzing the current business statistics &supports Credit Head in

developing and executing Credit Policy

▪ Divisional, Regional & State level analysis of customer and business

segmentation and assessment of their needs

▪ Drive adoption and penetration of existing products through

deepening of existing markets

▪ Ensure training and understanding of the product by Credit Policy

across the country

▪ Be the Single point of contact for any MIS &queries / help that branch

staff may have regarding products

▪ Work on fulfilling and resolving queries relating to systems, policies

and processes.

▪ Do a deep analysis of the Credit trend and functioning of the product

and give input periodically to the Credit Head and Regional Credit

Heads to improve various performance metric of the product

Vendor Management ▪ Need to Empanel Legal & technical vendors for applicable products and

need to build a strong relationship

▪ Payment to vendors need to be done on time and the same to be

monitored, corrective actions to be taken if delay or anything

▪ Need to facilitate for quarterly vendor audit on valuation of property.

Credit Management Overseeing and guiding team on developing on -going market insight,

identify sector trends and work with Credit team and stakeholders in

developing competitive product proposition

Competitors Need to have competitors visits and industry practice to observed or key

changes to be highlighted to the Credit head for necessary action