Area Credit Manager - Retail MFB - RIL - Credit - Thiruvadanai - VIJ Complex - JM

Key Objective of the Job:

To drive Rural Individual Loan business underwriting and creating quality portfolio.

Major Deliverables:
1. Managing a team of Branch credit managers, Credit Executives.
2. Conduct personal discussion with customers to establish Credit worthiness.
3. Pre and post sanction credit risk compliance.
4. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.
5. Control on portfolio performance.
6. Underwrite Individual loan and prepare Credit Appraisal Memo (CAM).
7. Coordinate with sales to achieve targets and ensure TAT.
8. Support and train the team of Credit Manager/officers
9. Responsible for manpower
10. Knowledge understanding of local market.
11. Work closely with regional Credit Manager
12. Coordinate with internal teams like ICQ, Operational and sales.

Qualification : Graduate in any discipline.