RC & WC - Underwriting:Credit Officer - B2C - Rural Credit
Axis Bank
2d ago

About Retail Credit and Wholesale Credit :

The Retail Credit and Wholesale Credit 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 and ensuring timely EMI collection and maintaining risk of the business.

About the Role :

The CPC Legal and Technical Manager is responsible for Project Approval and Builder / Project Visits. They are also responsible for property sanctioning and understanding of financial analysis of customers.

Key Responsibilities :

  • Ensure Cost Rationalisation - region and location wise top cost data will be shared to reduce cost as per target, source data Cost team.
  • Ensure Approval Rate % - Based on the percentage of the projects approved to the total projects received for approval.
  • source data BIU and CO team

  • Ensure adherence to APF TAT and individual cases, average APF TAT and L2TS for individual cases, source data BIU , CO -Team and Shikhar MIS
  • Ensure audit and compliance - basis internal and concurrent audit conducted and report submitted the target will be measured.
  • Ensure Customer Satisfaction and reduction in escalated customer complaints
  • Ensure feedback about the market, and key changes in the market and data on new project leads etc. source data will be RCM, RSM and Central team, agency mapping and management
  • Responsible for providing training to Axis Sales, SM, CPC team on Legal and Technical processes.
  • Qualifications :

    Optimal qualification for success on the job is :

  • BE (Civil) from a recognized institute
  • Role Proficiencies :

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

  • Proven Credit risk experience within retail banking
  • 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
  • Knowledge of legal and technical matters
  • ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

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