Zonal Credit Manager

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.