State Head - Credit

Managing team of Credit processing associates
Credit Appraisal
Delinquency Management
PDD Management
Roles & Responsibilities
Managing team of Credit processing associates.
Credit Appraisal – Underwriting/recommending of proposals for non-collateral/collateral backed education infrastructure loan.
Process – Understanding process and policies and implementing the same to ensure smooth transactions.
Training- Provide training to CPAs so that they work in synergy with the companies policies and norms
Delinquency Management for the location
Vendor / Cost management – managing the outsource agencies and ensure TAT is maintained by these agencies.
Quality Management in terms of Audit, Compliance and Hindsighting
PDD Management – controlling and tracking PDDs through proper
MIS for the location
Monitoring end usage of loan
Key Performance Indicators
Login to Recommendation TAT
Maintaining Audit Compliance and errors in Hind sighting
Training
Delinquency control as per budget
Cost management
New initiatives
Experience
8-15 years of Experience
Technical Competencies / Skills

• Basic knowledge of loan underwriting
• Knowledge of Mortgage Lending Business- awareness on risk involved w.r.t. to title of property
• Should be able to conduct personal discussions with clients (self-employed) independently and arrive at cash flow analysis.
• Experience of underwriting loans to K12 Schools & colleges will be added advantage (non mandatory)
• Good communication and report writing skills

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• Basic knowledge of Banking
• Good Knowledge of computer applications
• Knowledge of practices in mortgage industry
  

Personal Attributes

• Managerial Qualities
• Initiative
• Process Orientation
• Customer Orientation
  

Formal Qualifications
CA/ MBA preferred.
EligibilityCA, MBA (Finance)