State Credit Manager - Secured - Delhi

1. Portfolio Management

Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.

Quality is measured by delinquency bounce rates loss numbers RCR and File quality scores are key deliverables

1. Business & Financial Management -

Calibrate the capacity plan in line with business needs

Identify and act upon various risk arising out of credit/process activities

Risk mitigation- bureau/rating agencies/collection reports to be reviewed

Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices

Track and react to external influence on portfolio Bureau/rating agencies

1. Customer Focus -

Take decisions which are aligned to the management directive keeping customer in mind

Bring in the efficiency in the system by enabling decisions being taken within defined timelines

Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 4 markets

1. People/Team Management

Effective training and timely communication of policy & underwriting standard

Manage and supervise direct reports with continuous engagement on portfolio performance process controls and supervisory review

Interaction with business and allied teams to incorporate changes

Strong interpersonal skills to manage team size of 10 risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

1. Productivity Management & Improvement

Productivity and its management is the key deliverable

Quality is measured by no of files managed on monthly basis

Initiatives for improving the productivity at every level is also one of the key deliverables

1. Process & Quality Improvement -

Regularly Review & Monitor the PDD movement as one of the most important process laid down to be managed by RCM

Bringing in the Process Efficiency & Quality Improvement Initiative Cost Reduction Initiatives Define credit underwriting standards and processes in accordance with ROC approved guidelines

Process adherence as measured by audit ratings FTR score and TAT are key deliverables