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- Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. • Verifying the promoter’s track record & ascertaining their credit worthiness. • Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position • Handling a team of Credit and Operations. • To ensure Bounce Rate and Delinquency are within acceptable standards.
- Understanding the customer’s requirements and ensuring quick service delivery • Responsible for smooth flow of process relating to credit • Set up audit framework. Carry out audits and get closure on items • Staffing and grooming, team building, motivation, satisfaction and minimal attrition • Basic Analytics and MIS reporting to various stakeholders. • Monitor and enforce approval rate and TAT as per prescribed standards. • Monitor and ensure that monthly Branch audit score is satisfactory.
- Vendor Management. • Responsible for portfolio management. • PDD Tracking and closure • Compliance to repayment instrument replenishment to ensure regular repayment of EMI • Good communication and pleasing personality. • High level of Self Drive/Enthusiasm.
- Effective operations, team management and excellent relationship skills to be displayed
