Designation : Regional Credit Manager Department : Credit Reports to : COO Location : Bangalore, Pune, Kolkata and Delhi
CREDIT APPRAISAL AND SANCTION
Set and enforce eligibility criteria for borrowers to avail loans
Set criteria for judgmental scoring
IMPLEMENTATION OF CREDIT PLAN
Ensure that the Product program is properly followed
CREDIT DELIVERY
Delegation of powers at field level/Credit Manager/Executive Director at office
Looping system to be evolved for access of immediate credit for borrowers with excellent Credit History
REPAYMENTS
Vigorous follow up on a day to day basis at head office on individual borrowers/group/centre/area for regularity of repayment/attendance
CREDIT MONITORING AND SUPERVISION
Pre disbursement Drawing up norms for determining no of Pre disbursement field visits to be covered by each category of field staff CRS/CRM/AM in their area of operation
Post disbursement Drawing up norms for determining no of Post disbursement field visits to be covered by each category of field staff CRS/CRM/AM in their area of operation
CREDIT RISK MANAGEMENT
As a part of Annual Budget exercise identification of credit risk, operational risk and environmental risk.
To measure and quantify risk wherever possible
TEAM MANAGEMENT
Ensuring that Credit Department functions as a well knit unit
Maintaining close rapport with all members of the senior management team at head office for purpose of coordinated functioning
The candidate must possess excellent communication skills and must be willing to travel extensively.
Set and enforce eligibility criteria for borrowers to avail loans 