Area Manager Credit Bangalore

JobItUs; Bengaluru; On-site; INR 900,000 - 1,800,000; Full time

Job summary

JobItUs in Bengaluru, Karnataka, seeks an experienced head of the Credit Vetting Department to establish and manage the credit function with de-centralized assessment and centralized decision, ensuring sensible credit norms that lead to a high-quality portfolio.

You will assess lending proposals from credit and risk perspectives, coordinate with regional branches, monitor turnaround times, and drive staff training, MIS reporting, and audit compliance across multiple cities.

Responsibilities

• Responsible for the full function of Credit Vetting Department
• Manage, train, up-skill, motivate, retain and recruit staff
• Measure department performance with appropriate metrics
• Provide for ongoing training of the Credit Vetting and Fraud staff
• Manage relations with Credit Reporting and Fraud agencies
• Establish and Manage the Credit function using the principle of de-centralized assessment and centralized decision.
• Responsible for ensuring sensible credit norms resulting in a high-quality portfolio.
• To assess the viability of credit lending proposals from credit as well as risk perspective based on institutionalized processes and dynamic market information at Multiple Branch level situated at different cities of different states called Zone.
• Assessment of proposal leads to decision of not going ahead with the proposal or Approval of the cases which fall under the credit delegation authority of Regional Credit Manager Level or Further recommendation and presentation of the proposal to respective committee level.
• To ensure efficient Turnaround time (TATs) for validating the proposals
• To co-ordinate with MOG and other support functions for operational effectiveness
• To monitor and highlight MIS to the section head and local credit as well as business team for better business understanding
• To work towards skill enhancement and team building
• Appointment, Development, Training and Performance of the Credit Analyst team of the Unsecured Loans Credit & Risk Team.
• Satisfactory compliance of multiple audits- Concurrent / Internal /Statutory /Regulator etc

Job description

• Responsible for the full function of Credit Vetting Department
• Manage, train, up-skill, motivate, retain and recruit staff
• Measure department performance with appropriate metrics
• Provide for ongoing training of the Credit Vetting and Fraud staff
• Manage relations with Credit Reporting and Fraud agencies

Establish and Manage the Credit function using the principle of de-
centralized assessment and centralized decision.
Responsible for ensuring sensible credit norms resulting in a high-quality
of portfolio.
To assess the viability ofcreditlending proposals fromcreditas well as risk
perspective based on institutionalized processes and dynamic market
information at Multiple Branch level situated at different cities of different
states called Zone.
Assessment of proposal leads to decision of not going ahead with the
proposal or Approval of the cases which fall under thecreditdelegation
authority ofRegionalCreditManagerLevel or Further recommendation
and presentation of the proposal to respective committee level.
To ensure efficient Turnaround time (TATs) for validating the proposals
To co-ordinate with MOG and other support functions for operational
effectiveness
To monitor and highlight MIS to the section head and localcreditas well
as business team for better business understanding
To work towards skill enhancement and team building
Appointment, Development, Training and Performance of
theCreditAnalyst team of the Unsecured LoansCredit& Risk Team.
Satisfactory compliance of multiple audits- Concurrent / Internal /Statutory /Regulator etc