Credit Policy Manager

Job Purpose

• Preparation and implementation of loan policies for Small ticket LAP products.
• System integration/enhancements for implementation of policies.
• Training of underwriting units in terms of new policies.
• Monitoring and management of portfolio through monthly portfolio analysis.
• To monitor and track the Health of the portfolios of the products launched
• Competition benchmarking on a regular basis to enhance the product suite.
• To implement the learning from portfolio management as policy actions.
• Sound knowledge about loan processing systems and analytical ability.
• Managing state specific property norms and update the same time to time.
• Timely revising and updating the credit assessment norms as per the requirements and need of the market.

Key Responsibilities:

Managerial Responsibilities:

• Drive the Property Product to build the required proportion of business from this product.
• Monitor product performance variance to KPIs and ensure struggling branches are provided adequate support
• Liaising with other stakeholders in driving the overall Property Product Strategy (Buildup to execution).

Functional Responsibilities:

• Implementation and handholding of property products across specified locations.
• Conducting training sessions about products and strengthening the policy and product information.
• Routine research & competitive landscape understanding to improvise product propositioning or launch new product/variants.
• Liaising with product team for enhancement/modification & rollout of new products.
• Liaising the IT team for system development/enhancement of the products

Skills & Competencies:

• Should have spent adequate time in retail loan products and in various stages of designing, developing and launching products for small business loans, housing/affordable housing, commercial property purchase, construction & renovation.
• Ability to understand field/customers' requirements & able to convert that into product propositioning.
• Ability to Deal with work problems, opportunities, complex situations, flexible with both strategic and tactical areas to achieve the solutions.
• Good Team Player, analytic skills, Conflict management, peer management skills, strategic work management orientation skills, inter-personal skills.
• Sound knowledge of Microsoft Office applications PowerPoint, Excel.

Skills : Business loans,Housing loan,Property loans,lap