Territory Credit Manager

Role & responsibilities

• Provides exceptional customer service through timely review of credit requests, smooth onboarding and query resolution.
• Ensures an effective credit appraisal process, financial analysis keeping in mind the customer and organizational needs & identify any probabilities of delinquencies.
• Acts as custodian of the portfolio, tracks & maintains overall portfolio quality, manages credit process and proactively monitors customer accounts.
• Owns collections for the territory and is responsible for allocation, monitoring and review of delinquent accounts.
• Manages post disbursement related documents and ensures adherence to credit compliance, legal and risk frameworks.
• Manages audit and hind-sighting activities.
• Enables achievement of territory business target by under-writing loan proposals with desired level of quality, ensuring product and policy norms are met and understood by the team.
• Imparts credit knowledge and nurtures team members and channel partners ensuring quality portfolio.
• Builds confidence in the market and channel partners through exemplary services from log-in to disbursement & post disbursement.

Preferred candidate profile

• Qualification - CA or MBA Finance (Full Time)
• Should be handling home loan and loan against property in current role, mortgage background.
• Knowledge of credit underwriting for mortgage related products.
• Regulatory, legal and compliance knowledge related to the mortgage industry.
• Analytical bent of mind with understanding of financial ratios.
• Planning and collaborative skills with detail-oriented mindset.

Interested candidates can mail their resume onchandan.p@icicihfc.com