Regional Credit Manager

Key Result Areas:

• Develop, update and implement policies for field underwriting to facilitate business growth while maintaining expected quality of loans portfolio.

• Manage Field Credit - train the team and monitor loan origination malpractices and frauds

• Generate market intelligence on emerging risks including competition in our markets.

• Drive simplification of the underwriting process to optimize productivity and improve service delivery levels

• Recruit, train & build a high-performing field underwriting team for ensuring the adherence of credit policies and processes

• Mentor team for managing pre-sanction diligence and post sanction monitoring of accounts

• Undertake regular review of portfolio vis--vis Internal and Industry benchmarks as well as identify early warning signals in stressful business segments/ regions.

Experience & Skills:

• Experience in quality organizations (Banks or NBFC) with managerial role in Credit function in retail lending (preferably Microenterprise lending or MFI background).

• Strong understanding of credit processes used in the industry to manage a credit portfolio.

• A strong team player willing to give to the team for delivering top performance through the team. Willing to invest in the people in the team as well as in peers.

• Ability to effectively communicate with the branch credit teams.

• Strong ability to convince/influence the peers in driving quality outcomes for the Company.

• Good knowledge of excel.