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Zonal Credit Manager Home Loan


PROV HR Solutions Private Limited


Location

Bangalore | India


Job description

Job Description

Roles and Responsibilities:

Managing the overall credit function of the zone

Implementation of policies, procedures, and credit underwriting guideline

Formulate, review and implement the Credit Policy of the Company appropriate for the market segment (working with primarily undocumented income/credit profiles) sought to be served

Maintenance of TAT, Compliance, policies and procedures as per NHB guidance

Managing large business volumes

Manage productivity and TAT of the team

Recruit and train the Credit Team

Create and maintain metrics reports on marketing and sales activities, effectiveness, and business impact

Loan operation activities

Banking and collection activities

Managing end to end disbursement process

Working closely with HO and Regional leadership.

To ensure adherence of file TAT in operation

Desired Candidate Profile

CA / CWA or MBA/PGDM Finance

A High Level of Professionalism.

A Passion for Building and Growing Relationships

The Ability to Gather Feedback and Provide Innovative Insight .

Should take ownership of deliveries of all processes related to Consumer Finance Operations, including:

Sales / Credits

  • Collections
  • Disbursements
  • Closures
  • Customer Deliverables & Services

Must have overseen pre-banking, PDD, centralized processing, customer service, IT implementation, Analytics, Business Process re-engineering and process improvement

Must have sound experience of at least 10-12 years in the NBFC domain, managing operations of small ticket size loans

Responsible for digitalization initiatives and automation projects

Should identify best practices and improve internal systems

Lead, coach, develop and retain high performance management team


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