Credit Manager
Posted Updated
Description
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<p class="MsoNormal" style="text-align:justify"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif">The
role holder is responsible for credit appraisal of Retail loans as per
pre-defined TAT with due adherence of Process, Policies and delegation of
authority. He will also be responsible for the loan portfolio of his
territory and would keep a close watch on the performance of such loans. He
would also be accountable for highlighting and initiating corrective steps
for any process, system gaps noticed
during the overall appraisal process</span><span lang="EN-US" style="font-family:
'Book Antiqua',serif"><o:p></o:p></span></p>
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129.75pt"><span lang="EN-US" style="font-size:9.0pt;line-height:115%;font-family:
'Book Antiqua',serif"> </span></p>
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<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif">SECTION III: KEY
RESPONSIBILITIES/ ACCOUNTABILITIES<o:p></o:p></span></b></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Strategic/ Managerial Responsibilities</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
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<p class="MsoListParagraphCxSpFirst" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:
normal;mso-list:l0 level1 lfo1"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">NA<o:p></o:p></span></p>
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auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif"> </span></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Core Responsibilities</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
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<p class="NormalDS" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm;
margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-18.0pt;
mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-GB" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-GB" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Appraises
/recommends/ approves credit proposals as per the delegation of authority.<o:p></o:p></span></p>
<p class="NormalDS" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm;
margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-18.0pt;
mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-GB" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-GB" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Reviews
delinquent cases and document learning’s / portfolio reviews for risk
management.<o:p></o:p></span></p>
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margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-18.0pt;
mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-GB" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-GB" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Conducts
process audits and reports delinquencies and anomalies.<o:p></o:p></span></p>
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margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-18.0pt;
mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-GB" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-GB" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Recommends
changes to policy/process based on local nuances / competitor feedback.<o:p></o:p></span></p>
<p class="NormalDS" style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm;
margin-left:36.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-18.0pt;
mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-GB" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-GB" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Implements
system integration plans.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-indent:-18.0pt;line-height:normal;mso-list:
l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;
font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';">
</span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;
font-family:'Book Antiqua',serif">Monitors NPA and keeps a track of it.<b><o:p></o:p></b></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-indent:-18.0pt;line-height:normal;mso-list:
l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;
font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';">
</span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;
font-family:'Book Antiqua',serif">Ensures field customer visits for PD and deliveries
within agreed TAT.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:
normal;mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Managing
all CPA’s(credit processing associates) and provide them adequate policy,
process training for smooth operations with in the Risk Team.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:
normal;mso-list:l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Ensures
maintenance of Healthy Portfolio for the bank.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-indent:-18.0pt;line-height:normal;mso-list:
l4 level1 lfo2"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;
font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';">
</span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;
font-family:'Book Antiqua',serif">Makes customer visits wherever required to
ensure appropriate closure of the deal.<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">People Management or Self-Management
Responsibilities</span></b><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
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<p class="MsoListParagraphCxSpFirst" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-indent:-18.0pt;line-height:normal;mso-list:
l3 level1 lfo3"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;
font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';">
</span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;
font-family:'Book Antiqua',serif">Manages CPA Team.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-indent:-18.0pt;line-height:normal;mso-list:
l3 level1 lfo3"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;
font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';">
</span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;
font-family:'Book Antiqua',serif">Imparts Training and knowledge sharing<o:p></o:p></span></p>
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.0001pt;mso-add-space:auto;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif"> </span></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Risk and Internal Control
Responsibilities</span></b><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
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<p class="MsoListParagraphCxSpFirst" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:
normal;mso-list:l1 level1 lfo4"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Identifies
process and policy gaps and potential risk arising out of it.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom:0cm;margin-bottom:
.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:
normal;mso-list:l1 level1 lfo4"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Suggests
internal control measures and ensure implementation to address such gaps.<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif"> </span></p>
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height:15.25pt">
<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif">SECTION IV: KEY
INTERACTION<span style="color:black;mso-color-alt:windowtext">S</span><o:p></o:p></span></b></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Key Internal Interactions</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
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<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif;color:black;mso-color-alt:
windowtext">Purpose of Interaction</span></b><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:
'Book Antiqua',serif"><o:p></o:p></span></b></p>
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<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;
font-family:'Book Antiqua',serif">Business Team<o:p></o:p></span></p>
</td>
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<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">For documentation
requirement, understanding of customer profile and other discussions which
helps in arriving at the decisioning of the deal<o:p></o:p></span></p>
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<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;
font-family:'Book Antiqua',serif">Policy Team<o:p></o:p></span></p>
</td>
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<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">For understanding
the policy, seeking clarifications, advising modifications, wherever required<o:p></o:p></span></p>
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<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;
font-family:'Book Antiqua',serif">Process Team<o:p></o:p></span></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 25.15pt;">
<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">For correction of
process gaps noticed during appraisal of the loans<o:p></o:p></span></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:5;height:26.5pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; padding: 0cm 5.4pt; height: 26.5pt;">
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;
font-family:'Book Antiqua',serif">Technology Team and HCM<o:p></o:p></span></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 26.5pt;">
<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">For system related
changes, correction of bugs, system
errors etc. Manpower Planning.<o:p></o:p></span></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:6;height:23.35pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 23.35pt;">
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Key External Interactions</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 23.35pt;">
<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif;color:black;mso-color-alt:
windowtext">Purpose of Interaction</span></b><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:
'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:7;mso-yfti-lastrow:yes;height:24.25pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; padding: 0cm 5.4pt; height: 24.25pt;">
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;
font-family:'Book Antiqua',serif">Customer<o:p></o:p></span></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 24.25pt;">
<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">To understand the
profile of the customer, his income, obligations etc<o:p></o:p></span></p>
</td>
</tr>
</tbody></table>
<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif"> </span></p>
<table class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" width="750" style="width: 562.5pt; margin-left: -35.1pt; border: none;">
<tbody><tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.25pt">
<td width="750" colspan="2" style="width:562.5pt;border:dotted windowtext 1.0pt;
mso-border-alt:dotted windowtext .5pt;background:#5B9BD5;padding:0cm 5.4pt 0cm 5.4pt;
height:15.25pt">
<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif">SECTION V: KNOWLEDGE &
EXPERIENCE<o:p></o:p></span></b></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:1;height:15.25pt">
<td width="750" colspan="2" style="width: 562.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 15.25pt;">
<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif;color:black;mso-color-alt:
windowtext">KNOWLEDGE</span></b><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:2;height:31.9pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 31.9pt;">
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Minimum Qualifications</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 31.9pt;">
<p class="MsoListParagraph" style="margin-bottom:0cm;margin-bottom:.0001pt;
mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;
mso-list:l2 level1 lfo5"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Bachelors
in Commerce<o:p></o:p></span></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:3;height:31.9pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 31.9pt;">
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Professional Certifications</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 31.9pt;">
<p class="MsoListParagraph" style="margin-bottom:0cm;margin-bottom:.0001pt;
mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;
mso-list:l2 level1 lfo5"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Chartered
Accountant / MBA Finance<o:p></o:p></span></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:4;height:31.0pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 31pt;">
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Language Skills</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 31pt;">
<p class="MsoListParagraph" style="margin-bottom:0cm;margin-bottom:.0001pt;
mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;
mso-list:l2 level1 lfo5"><!--[if !supportLists]--><span lang="EN-US" style="font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;
mso-bidi-font-family:Symbol">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Written
and spoken English is essential<o:p></o:p></span></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:5;height:17.5pt">
<td width="750" colspan="2" style="width: 562.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 17.5pt;">
<p class="MsoNormal" align="center" style="text-align:center"><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif;color:black;mso-color-alt:
windowtext">EXPERIENCE</span></b><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:6;height:31.0pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 31pt;">
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Years of Experience</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 31pt;">
<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:
'Book Antiqua',serif">Minimum of 3-5 years of work experience in relevant
product of retail banking<o:p></o:p></span></p>
</td>
</tr>
<tr table_type="formatted" style="border-left: 1px solid black !important;mso-yfti-irow:7;mso-yfti-lastrow:yes;height:31.0pt">
<td width="126" style="width: 94.5pt; border-right: 1pt dotted windowtext; border-bottom: 1pt dotted windowtext; border-left: 1pt dotted windowtext; border-image: initial; border-top-width: initial; border-top-color: initial; background: rgb(242, 242, 242); padding: 0cm 5.4pt; height: 31pt;">
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;line-height:115%;font-family:'Book Antiqua',serif;
color:black;mso-color-alt:windowtext">Nature of Experience</span></b><b><span lang="EN-US" style="font-size:10.0pt;
line-height:115%;font-family:'Book Antiqua',serif"><o:p></o:p></span></b></p>
</td>
<td width="624" style="width: 468pt; border-top-width: initial; border-top-color: initial; border-left-width: initial; border-left-color: initial; border-bottom: 1pt dotted windowtext; border-right: 1pt dotted windowtext; padding: 0cm 5.4pt; height: 31pt;">
<p class="MsoListParagraph" style="margin:0cm;margin-bottom:.0001pt;mso-add-space:
auto;text-align:justify;line-height:normal"><span lang="EN-US" style="font-size:10.0pt;font-family:'Book Antiqua',serif">Credit Appraisal of
Retail Loans<o:p></o:p></span></p>
</td>
</tr>
</tbody></table>