RB - Collection & Underwriting:Centralized Credit...

Manage the Pan India credit appraisal process for Personal Loans, Auto Loan, Credit Cards (Commercial and Retail); also responsible for the credit process pertaining to Retail Asset FCY Loan & Over Draft Against Fixed Deposits (Individuals) and Gold Loan High Value credit underwriting. The role encompasses the end to end credit operation process including vendor management and management of the Underwriting Officer located at Mumbai and Hyderabad and Noida.

Key Responsibilities:
• To manage underwriting process for Retail Assets/Credit Cards within Retail Lending & payments vertical
• To appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
• To assess the income, ability, intention, & credit behavior and verify it documents & reference checks as well as from various kinds of credit bureau checks.
• Responsible to evaluate all the credit risk parameters & measures to mitigate the same
• To prepare Credit Approval Memo
• Managing the overall TAT, Approval Rate
• To ensure complete adherence to laid down policy and procedure / process
• Fi initiation and completion on respective systems

Qualifications:

Optimal qualification for success on the job is:
• Post Graduate / Graduate

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:
• Cost reduction and process improvements
• Turn around time (TAT), Login to DIP Outward TAT will be considered & source of data would be Shikhar & System MIS
• Productivity
• People : Training and grooming and feedback from HR initiated feedback surveys
• Vendor Management
• Stakeholder feedback (Credit, Policy, BIU, Business, CRO team etc)
• Error rates of CPC Dip