Area Credit Head

• Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas ( Max 1325 Characters) Supporting Actions ( Max 1325 Characters)

Portfolio Management

• Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
• Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business & Financial Management

• Calibrate the capacity plan in line with business needs
• Identify and act upon various risk arising out of credit/process activities
• Risk mitigation- bureau/rating agencies/collection reports to be reviewed
• Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices
• Track and react to external influence on portfolio Bureau/rating agencies

Customer Focus

• Take decisions which are aligned to the management directive keeping customer in mind
• Bring in the efficiency in the system by enabling decisions being taken within defined timelines
• Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 – 4 markets

People/Team Management

• Effective training and timely communication of policy & underwriting standard
• Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
• Interaction with business and allied teams to incorporate changes

Strong interpersonal skills to manage team size of 10+ risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

Productivity Management & Improvement

• Productivity and its management is the key deliverable
• Quality is measured by no of files managed on monthly basis
• Initiatives for improving the productivity at every level is also one of the key deliverables