01Overview
Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
Approval Rates-CC/OD/Card Power/Secured Loans, basis the target will be reviewed for the year, for the location - Approval rates for all the locations - for the full year.
Turn around time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.
Turn around time (TAT) - Legal & Technical - L&T login to L&T Sanction for all secured products as confirmed.
Early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.
Risk Management
Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
PSL Accuracy at product level needs to be maintained. Source- Audit report.
Review, Renewal, Pendency - Timely inspection, Monitoring of accounts
Training, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products. Feedback from Head Credit - & Other stake holders will be the source.
Qualifications
CA/MBA Finance with Credit Appraisal, expertise in the areas
Role Proficiencies:
Working knowledge of all retail banking product
Knowledge of regulatory guidelines and norms
Working knowledge of handling Customer Service
Good communication (both verbal and written) skill in both English and the local language
Ability to handle pressure and meet deadlines .
