Cluster Credit Manager

☞ Symmetrical Global Search Pvt Ltd

View: 101

Update day: 06-05-2024

Location: Bellary Karnataka

Category: Consulting / Customer Service Production / Operation

Industry: Recruitment Staffing

Position: Associate/Senior Associate -(NonTechnical)

Job type: Full Time, Permanent

Experience: 5 - 8 years

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Job content


Job Description :

Ensure all loan application is appraised as per credit policy and within applicable TAT Meeting the customer for approval is also required
Need to monitor collection as per repayment schedule from customers.
Collection is done by Branch team
Manage the changes in Credit policy as per market requirement to maintain healthy portfolio quality
Training branch credit team regularly on credit policy and improvement areas.
Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
Requires the person to travel to branches for about 18-22 days in a months across the branches ( 4-6 branches)
Take constant feedback from the team to clear any bottle necks / solve any issues and ensure least attrition in the cluster
Ensure Branch Discipline and monitor other routine issues

Qualifications
Minimum Graduation

Experience
5-8 years experience required in Financial services preferably NBFCs dealing with mortgage loans, housing loans, PL.
Minimum 3 years experience in credit appraisal is essential for this role.
Experience of managing/leading a team would be preferred though not essential.

Competencies
Ability to effectively communicate with the public
Good analytic skills, judgment and ability to make independent decisions informed by both quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors)
Ability to work with minimal direction Self-starter
Good interpersonal, relationship management, customer service, and rapport building skills.
Good leadership and people management skills, with ability to manage people both directly and indirectly at multiple levels and remotely
Ability to prioritize, multi-task, delegate, and proactively resolve problems
Proficiency in MS Office (Word, PowerPoint, Excel)
Basic Accounting Skills
Good reading and writing skills in English required.
Good knowledge of local language is required ( reading and writing also)
Ability and willingness to travel for 20-22 days in a month by bus and train.

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Deadline: 20-06-2024

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