Branch Credit Manager

HDB Financial Services Ltd.; Coimbatore District; On-site; INR 279,000 - 446,400; Full time

Job summary

A financial services firm based in Coimbatore is looking for a candidate responsible for making credit decisions and ensuring quality control. You'll interact with applicants while managing internal reports and performance metrics in compliance with company policies. Candidates should demonstrate accuracy in handling referral cases and must be proactive in streamlining processes. A strong focus on compliance and teamwork is essential for effective day-to-day operations.

Responsibilities

• Take sound lending decisions based on available information.
• Manage credit quality and control delinquencies and frauds.
• Monitor performance metrics including portfolio quality.
• Manage costs related to credit administration and enhance employee productivity.

Job description

Job Role

• Accuracy in taking action on referral cases assigned with availabled at a base.
• Responsible to maintaining quality of referral cases and also delivering output within prescribed TAT.
• Responsible for internal cross Audit with accuracy and adherence to the policies and processes set by organization.
• Managing Weekly and Monthly MIS and Trackers.
• To interact closely with other teams to ensure smooth day to day functioning at location.
• Policy Compliance: Ensuring compliance with company policies and applicable regulations.
• Understand Posidex policy and processes as well as credit environment in the location.
• Initiatives taken for improvements, streamlining, Adherence.

Key Responsibilities

• Credit Decisions Take sound lending decisions based on available information interactions with the applicants.
• Manage credit quality and control delinquencies, frauds.
• Monitoring Performance.
• Managing performance in terms of key drivers i.e. Cost Loses/Portfolio quality parameters/ Cost of credit administration/ Employee Productivity.