National Credit Manager : Affordable Housing Loans

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Key Responsibilities:

This role entails management and maintenance of the quality of the credit portfolio pertaining to Affordable Housing Loans from origination to collections while ensuring alignment with the overall credit strategy in order to minimize problematic accounts and losses to the bank. This role primarily has end-to-end accountability at the pre-sanction phase of the loan but is a part of the loan life cycle post disbursement in case of delinquency. It is a highly specialized role with interactions with

Role Proficiencies:

Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled and risks are mitigated while delivering a high quality service to customers
Liaise with the Product Head in order to contribute to the design of new products and advise on roll out of other products
Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT
Employ tools such as automation and 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 and address their concerns on aspects of credit policies and procedures and their implementation
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 new 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 bankâ€™s credit policy
15+ Years in Credit Underwriting. Must have exposure to affordable housing segment underwriting.

Experience:
15 - 20 Years
Salary:
40 LPA - 65 LPA
Diversity Candidate:
No
Location:
BKC, Mumbai
Address:
BKC, Mumbai
Primary Skills:
Maintainance of credit Portfolia, Credit Strategy, end-to-end accountability at the pre-sanction phase of the loan,
Industry:
Banking/Mortgage
Job Type:
Full time
Degree:
Post Graduate, Mba