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

• Managerial Qualities
• Initiative
• Process Orientation
• Customer Orientation
  Formal Qualifications
• CA/ MBA preferred.
• EligibilityCA, MBA (Finance)