ZONAL CREDIT MANAGER

Job Profiles:-

Zonal Credit Manager

• Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections in the zone
• End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency across the zone
• Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
• Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
• Aim to optimize Credit Risk management to facilitate the business expansion plans on zonal level
• To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
• Conduct detailed analysis of delinquencies and recommend changes to the product teams
• Ensure the successful adoption of internal compliances, regulatory framework across the business.
• Coordinate with internal audit and regulatory audit regarding their various requirements.
• Collaborate with Collections to drive down the net credit loss & delinquency metrics.
• Review and approve credit proposals given.
• Responsible for ensuring sound understanding of credit policy across all relevant levels.
• Product knowledge at market level and market segmentation is necessary.