RB - Collection & Underwriting:CPC Relationship Officer - Retail Credit
Axis Bank
5d ago

About Collection and Underwriting Department :

The Collection and Underwriting department focuses on the collection of the bank’s various loan products like Home Loans, Car Loans, and Personal Loans among others.

While underwriting department focuses on risk mitigation towards the loan offered to the customers. The department is key for the Loans business vertical as it is responsible for controlling & ensuring timely EMI collection & maintaining risk of the business.

About the Role :

The CPC Relationship Officer is responsible for coordination between sales team and customers. They are also responsible for Interacting with external vendors like lawyers and technical agencies.

They are also responsible for understanding property related aspects and resolution of legal technical queries

Key Responsibilities

  • Review FTR for Legal & Technical as per target
  • Ensure Cost Rationalisation basis region & location wise top cost data to reduce cost as per target
  • Ensure Customer Satisfaction and reduced escalated complaint ratio as per target at the end of FY
  • Ensure target is measured basis Internal and Concurrent audit conducted and Report submitted
  • Ensure Turnaround time (TAT) - Average Login to Legal & Technical Sanction TAT for the Locations / Products mapped excluding customer TAT.
  • Ensure Training to teammates. The source of measuring will be stake holder feedback & to share the minutes of the Training
  • Qualifications :

    Optimal qualification for success on the job is :

  • Post-Graduation / Graduation from a recognized institute
  • Role Proficiencies :

    For successful execution of the job, the candidate should possess the following :

  • Working knowledge of all retail banking product
  • Knowledge of regulatory guidelines and norms
  • Working knowledge of handling Customer Service
  • Good communication (both verbal and written) skill in both English and the local language
  • Ability to handle pressure and meet deadlines.
  • In-depth analytical skills with the ability to digest and interpret complex concepts
  • Good communication skills with the ability to communicate to multiple and varied audiences (technical and non-technical)
  • Understanding of Retail credit risk processes, systems and scoring
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