HDB Financial Services Limited Hiring for Branch Credit Manager Job at Nāgappattinam


HDB Financial Services Limited

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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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