RC - Area Credit Manager - Mortgages Credit

Axis Bank

BFSI (Credit & Risk)

Posted: 11 months ago

0-1 years

Ranchi, Jharkhand

BFSI (Credit & Risk)

work from office

Full Time

Posted: 11 months ago

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Job Description

RC - Area Credit Manager - Mortgages Credit
INTERNAL USAGE:
No. of Vacancies:		Reports to:	RCM
Is a Team leader	Y	Team Size:	5-7

Grade:	M/SM/AVP
Business:	Underwriting	Department:	Retail Credit	Sub-Department:	CPC
Location:
About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes
AbouttheRole
Area Credit Manager is Team Leader Role with CPC Credit underwriting managers reporting. Ensure smooth functioning of Credit Processing Centre, which is responsible for processing and underwriting of Centralised & Decentralised Files.
Key Responsibilities
Monitoring Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products at desired levels. Ensure the quality of proposals and credit appraisal to minimize delinquency. Ensuring compliance of Audit & Compliance reviews. Ensuring quality of Data entry with minimal error ratio and non-repetition of Audit Observations. Periodic Training, policy feedback, vendor management, participation in pilot runs/testing etc. Stakeholder management. Regular meeting with competitors, analyse market feedback from different stakeholders to benchmark the competition. Idea generation for new projects for process efficiency and cost saving.
Qualifications
Graduate / Post- Graduation (MBA/ CA preferred) Experience in retail credit with team handling.
Role Proficiencies:
For successful execution of the job, the candidate should possess: Knowledge of credit, industry and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language

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About Company

Axis Bank, one of India's leading private sector banks, is recognized for its innovative financial solutions and customer-centric approach. With a strong presence spanning across retail, corporate, and institutional banking, Axis Bank offers a comprehensive range of products and services tailored to meet the diverse needs of its customers. Committed to leveraging technology to enhance banking experiences, Axis Bank provides convenient digital banking platforms and cutting-edge financial tools. With a focus on transparency, integrity, and customer satisfaction, Axis Bank continues to be a trusted partner for individuals and businesses alike. Explore exciting career opportunities with Axis Bank, where talent is nurtured, and aspirations are realized in shaping the future of banking in India.

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