Credit Manager-Mortgage Rural (Sarangarh)

- Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. - Conduct personal discussion with customers to establish credit worthiness. - Control and contain front-end delinquencies by calling up customer on first presentation. - Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits. - Coordinate with sales to achieve targets and ensure SLAs are met. - Ensuring credit policy adherence to the accepted standards. - Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through current sourcing. - Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the banks credit policy. - Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e .