Overall purpose of the job
Accountable for the overall credit approval process, credit policy, credit reviews of existing customers., segment mix & mitigating the risk of existing portfolio. Also responsible to oversee and ensure compliance with regulatory requirements.
Key Performance Areas
Sourcing
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Handle entire activities of credit under this role.
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Set up a Robust credit approval process
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Handling credit tools such as CAM, Ratios etc.
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Regular credit trainings across all levels
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Initiate the verifications as appropriate and suggested by the procedures
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Mitigating Risk of existing portfolio
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Oversee and ensure compliance with regulatory requirements
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Coordinate with All Regional Managers
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People Management
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MIS & Reporting
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Recruitment/motivating/mentoring the team
Pre and Post disbursement
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Verification of the Post Approval Documentation along with any Subject To Condition Approval requirements.
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Ensure the completion of Risk Screening (FCU) process for all files.
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Maintain audit and compliance.
