Role- Zonal Credit Manager
Location- Jaipur
Preference- Candidates with Home Loan/LAP/MSME (Secured Lending) experience only
CTC- 12 LPA to 20 LPA + Variables
Roles and Responsibilities:
· Overseeing Credit Risk framework, implementing credit risk strategies, policies and procedures in line with the company.
· Underwriting loans for MSMEs.
· Performed baseline assessment of the organization’s & digital capabilities as per the organization requirement.
· Analysis of the portfolio concentration risk & PAR % for all the district across respective Zone with data quality.
· Monitoring and evaluating the branch/region performance to generate a healthy portfolio with client satisfaction metrics.
· Ensuring organizational quality through review, update, implementation and adherence to agreed policies, procedures and manuals.
· Responsible for accelerating the cashless disbursement & ensure 100% digital payment in to clients account.
· Liaising with Management to understand the new/existing project expectations & provide incumbent supports, presents market intelligence outputs for concern stakeholders.
· Identifying gaps in current digital capabilities as compared to the competitors & publishing several reports with the support of Business team.
· Setting up credit infrastructure for multiple regions.
· Building analytical scorecards for better prediction of probability of default.
· Launching new products and variants of existing loans to address the entire SME Eco-system.
· Designing and implementing incentive scorecards and contests for both employees and channel partners.
· Ideate and execute customer engagement programs to generate cross-sell and up-sell opportunities.
· Conceptualizing marketing campaigns for product and contest launches.
· Attending various internal & external auditors.
· Managing team RCMs or Equivalent across respective Zones.
Skills and Qualifications:
· Bachelor’s degree, MBA or CA.
· 10+ years of underwriting relevant experience.
· Experience in NBFC or Banking.
· Strong verbal and written communication and interpersonal skills required.
· Ability to work independently or within a team environment and handle multiple projects simultaneously.
· Demonstrated ability to collaborate effectively with cross-functional teams.