Divisional Credit Head

Job Responsibilities:

Section 1

• Monitoring regions for field credit activities within stipulated TAT

• Risk assessment of applicants through credit officers on time.

• Visiting the business and residence whenever required.

• Prepare the financial analysis sheet and scoring tool.

• Recommendations and approvals of the loans.

• Training the team on product and policies

Section 2

• Maintain portfolio of the Division.

• Follow up for the repayments of Early Delinquent customers.

Section 3

• Loan utilization check and social impact assessments.

Section 4

• Preparing the MIS reports

• Analyzing the sectors / sub sectors of the hubs against portfolio quality.

Section 5

• Co-ordination with Sales, collection and audit teams.

• Training the hub teams on policy / process.

• Regular review and feedback to the teams on performance of teams.

Qualifications:

• 12+ yrs experience in NBFC/ Banking/ Any Financial Sector.

• Any graduate preferably from Commerce Background.

• Age 35+ yrs

Other Requirements:

• Fluency in their respective regional language is preferred in addition to English.

• Willingness to travel

Skills & Competencies

Technical Skills

• Good in Excel & PPT

Soft Skills

• Good Communication skills

• Team handling experience.

Competencies

• Portfolio management

• Financial analysis

• Result oriented.

• Managing and developing others.

Behavioral Traits

• Being mindful and having integrity.

• Acceptance of changes.