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Cluster Credit Manager-Kerala
Multiple locations
Department
SOUTH CREDIT MICROBANKING & RURAL BANKING
Job posted on
Jan 11, 2023
Employee Type
Permanent
Experience range Range (Years)
3 years – 6 years
- Must have Team handling experience – (min 7 to 8 members)
- High field presence & there by supporting micro banking business by ensuring efficient resource allocation & productivity of team members (credit officers)through daily & weekly planning & monitoring.
- Individual productivity of underwriting unsecured individual loans of Micro and Rural banking products. –
- Quality check/Sample visits and Shadow of cases for the loans sanctioned/disbursed.
- Ensuring Individual and team Credit Officers Portfolio Performance, ensuring NIL errors while processing, underwriting quality.
- To ensure team to support collection (
- Ensure improvement in OTRR for kerala state in both the micro banking products( group loans & Individual loans)
- Prepare and execute portfolio improvement for branches constantly appearing in bottom OTRR list
- Review Branch Credit Limits and any other credit policies, product related and provide suitable recommendation based on cluster portfolio performance
- Branch TAT: Overall Group loan and Individual loan TAT products. Ensure coordination with all verticals to ensure smooth processing
- Timely escalation/approval of deviations with proper recommendation/ logic and response on branch & customers queries & issues
- Visit Centre Meetings and highlight critical issues to branch supervisors as early warning (critical / watchlist centers based on regional definition)
- Punctuality, Discipline, Coordination, flexibility, decision making ability & conflict management in the field for self & team
- Effective Participate in Branch meetings, Branch Rep Meetings and Branch Reviews
- Error monitoring for loan applications, proper action plan for improvisation time to time.
- Highlight early warning signal pertaining to critical branches / area and accordingly propose suitable action plan
- Involve in areas surveys, area cross check, sub sector studies, competitor analysis, occupation survey and review of negative/no go areas and propose suitable credit policy
- Quality Trainings in product, policy, system related, for team members & new joinees, Certification trainings, Branch Trainings.
- Build language Proficiency in read, oral, writing, software/Excel Skills for self & direct reports
- Interview & screening of candidates on requirement basis.
- Competitor visits and analysis, and sharing the field observation from time to time.
