Should be able to understand various business profiles of self employed & non professionals.
End to end complete customer assessment by visiting his business place, residence and security proposed with ownership attitude
Understanding of inherent credit, collateral, operational and fraud risks
Good knowledge of legal documents and associated risk
Imparting regular training to sales team & credit team about product and policy and updating team about all relevant changes which can impact the customer repayment capacity and performance ability
Organising and performing task within defined TAT for file processing.
Good knowledge about technical valuation aspect of properties
Preparation of customer assessment Memo and cash flow analysis and bank statement analysis
Managing and complying Over the counter / post disbursal documents and ensuring compliance of company's norms.
Handling team of credit managers in branches under given cluster. Ensuring proper and seamless operations at alloted branches.
Ensuring that all team members have knowledge about company's Policy and procedures for effective underwriting of proposal.
Should be able to set culture of Risk vs reward while underwriting the transaction.
Regular travel and touchbase at the alloted branches and ensuring complaince of policies and procedures.
Maintaining Portfolio MIS, Delinquency MIS and other operations relared MIS of the cluster and regularly reporting the same.
To be updated about local parameters such as legal / political / industry demographies, To regularly update seniors about any local development which can be detrimental to franchise
Adhering to the company's policies and ensuring complaince of the same.
Supporting business team for seamless processing of the proposals.
Positive approach with problem solving attitude
Keep close watch on Turnaround time for self and the team and ensure speed with accuracy
PDD and Audit query resolution
Maintaining confidentiality of information gathered from clients.
Maintaing confidentiality of company's information - not to be shared with anybody out of office in any form (Verbal , written , mail or any other form)
Safeguard of company assets provided for serving job responsibilities , like Identity Card , SIM, Marketing material , Computer Systems, Company provided Mobile and printer
Review of Early warning and Non Starter cases