01Overview
Job Profiles:-
Zonal Credit Manager
Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections in the zone
End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency across the zone
Highly Specialized role By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
Aim to optimize Credit Risk management to facilitate the business expansion plans on zonal level
To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
Conduct detailed analysis of delinquencies and recommend changes to the product teams
Ensure the successful adoption of internal compliances, regulatory framework across the business.
Coordinate with internal audit and regulatory audit regarding their various requirements.
Collaborate with Collections to drive down the net credit loss & delinquency metrics.
Review and approve credit proposals given.
Responsible for ensuring sound understanding of credit policy across all relevant levels.
Product knowledge at market level and market segmentation is necessary. .
