Changeleaders.in
Location
Chennai | India
Job description
Job Description
Job Title- Regional Credit Manager - LAGO Location- Chennai Exp- 5-15 years Primary Skills : Underwriting of Gold Loan , Credit Sr. Key Responsibilities Implementation of the defined Gold Loan Policy. Follow Regulatory requirements with respect to RBI guidelines. Visit the branches regularly to cross check the adherence of Valuation process, Gold Loan Policy, and act on any lapses. Responsible for evaluating and value the Gold as per Gold Standard and Bank policy guidelines. To assess the regional factors and recommend for collateral acceptance policy changes. Recommendation to Policy team for addition of any new jewellery items in the masters. Base customer selection on Analytic s and Credit Bureau history. Responsible to take informed decisions on big deals and try to close them with mitigants. Revisit underwriting processes to match the TAT of the industry. Base rejections with sound justification. Approve Sale of Gold in case of Auctions. Responsible to deliver informative MIS to management in a timely manner. Vendor Empanelment in the region Identification of Umbrella/Individual Valuer/Vendor, Document Collection & Validation, Collection of RIC verification Report, Vendor and Valuer Code creation. Pricing/Remuneration fixation with vendors Periodical Vendor review as per Vendor Management policy y. Monitoring of Valuer - Conduct & Valuation through Branch visits and CCTV footage check. Monitoring & analysis of Carat, Deductions and Impurity captured by valuers and report any irregularities. Visit the GL vendors/shops to get knowledge about new jewelleryJob tags
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