Regional Credit Manager - Commercial Lending

Strategy

• Closely work with the National Credit Head in planning Credit UW vision, co-create credit and underwriting policies & processes.
• Partner with location business head to develop a growth strategy for the company with emphasis on maintaining a healthy portfolio and minimal stress accounts/ NPAs

Credit Quality

• Manage empaneled vendors for maintaining Quality and TAT for all verifications and validations. Monitor verification and vendor processes by undertaking sample checks on a regular basis
• Meet borrowers and applicants for personal interaction based on the risk profile and case value. Ensure preliminary screening of borrowers profiles for maintaining the input quality of credit system.
• Undertake, first level document check for fraud prevention, data correction and information completeness

Implementation of risk management tools, Initiate processes Improvement and Impart Training

• Adherence to credit decisioning parameters as per Credit Policy on loan proposals
• Initiate new product and policy amendments based on local market experience.

Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite.

• Structured training to be imparted for both internal teams and business associates on a regular basis.

Relationship Management, Customer Service and Team Management

• Manage end to end credit approval process in line to agreed SLAs and be responsible for all UW decisions, approvals, deviations and exceptions for the assigned region
• Collaborate with recoveries and analytics teams in order to generate business insights to improve the credit appraisal process
• Identify and mitigate risk through regular portfolio monitoring and take timely decisions on exposure levels, collateral etc
• Effectively manage the location credit team and guide team members to take credit risk decisions aligned with the company's risk appetite
• Ensure the provision of ongoing training & that all employees are suitably skilled & qualified for their roles

Risk Management

• Ensure compliance with all relevant credit policies and procedures at the location
• Identify, analyze and propose mitigation measures for various risks applicable to the credit function at the location