Area Credit Manager - Retail MFB - RIL - Credit - Thiruvadanai - VIJ Complex - JM

Key Objective of the Job:

To drive Rural Individual Loan business underwriting and creating quality portfolio.

Major Deliverables:
• 1. Managing a team of Branch credit managers, Credit Executives.
• 2. Conduct personal discussion with customers to establish Credit worthiness.
• 3. Pre and post sanction credit risk compliance.
• 4. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.
• 5. Control on portfolio performance.
• 6. Underwrite Individual loan and prepare Credit Appraisal Memo (CAM).
• 7. Coordinate with sales to achieve targets and ensure TAT.
• 8. Support and train the team of Credit Manager/officers
• 9. Responsible for manpower
• 10. Knowledge understanding of local market.
• 11. Work closely with regional Credit Manager
• 12. Coordinate with internal teams like ICQ, Operational and sales.

Qualification : Graduate in any discipline.