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Tiruchchendur
    HDB Financial Services Limited

    branch credit manager

    Found in: Talent IN - 4 days ago


    Description
    Job Description:
    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.
    o Loses / Portfolio quality parameters
    o Cost of credit administration
    o 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.
    Roles and Responsibilities:
    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.
    o Loses / Portfolio quality parameters
    o Cost of credit administration
    o 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.

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