Cluster Credit Manager - Housing (CCM)

Ujjivan Small Finance Bank; Jalgaon; Presencial; INR 1.800.000 - 2.800.000; Jornada completa

Descripción de la vacante

Ujjivan Small Finance Bank Ltd. in India seeks a Cluster Credit Manager to lead underwriting for housing loans, assess credit risk, and perform income appraisals. You will analyze P&L statements and balance sheets for salaried and self-employed borrowers and guide a team of credit officers within the cluster.

The role requires deep knowledge of LAP/Mortgage loans, strong analytical skills, and experience in team leadership to drive timely, compliant credit decisions across the cluster.

Formación

• Graduate or MBA from a reputed college (MBA preferred).
• 4+ years in Credit Home loans/Mortgage Loans/MSME Loans.
• Team handling experience is essential.

Responsabilidades

• Assess credit risk for Home Loans per guidelines.
• Conduct income appraisal of salaried and self-employed borrowers.
• Analyze P&L and Balance Sheet including cash flows of borrowers.
• Manage the area underwriting team and ensure timely disbursement and governance.
• Support process improvements and fraud control initiatives.

Conocimientos

Credit risk

LAP/Mortgage

MSME Loans

Communication

Team leadership

Educación

MBA preferred

Descripción del empleo

• Expert knowledge of assessing credit risk for Home Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.
• Conduct income appraisal of salaried and self-employed borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
• Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• Provide Market intelligence from a competition and customer stand point
• Recommendations on new processes & fraud Control initiative etc
• Manage Credit Officer’s team
• SIZE OF THE ROLE
  

• POSITION DESCRIPTION
  

JOB TITLE : Cluster Credit Manager
GRADE : SM
DEPARTMENT : Credit
LOCATION : Cluster
SUB-DEPARTMENT : Housing
TYPE OF POSITION : Full-time
REPORTS TO : Area Credit Manager
REPORTING INTO
Credit Officer

• ROLE PURPOSE & OBJECTIVE

• Expert knowledge of assessing credit risk for Home Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.
• Conduct income appraisal of salaried and self-employed borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
• Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• Provide Market intelligence from a competition and customer stand point
• Recommendations on new processes & fraud Control initiative etc
• Manage Credit Officer’s team
• SIZE OF THE ROLE
  

FINANCIAL SIZE
NON-FINANCIAL SIZE

• Manage entire Area underwriting teams
• Handling portfolio from 50 Cr to 200 Cr
• Supervising the monthly disbursement of 60-150 files from the assigned area
• Efficient TAT management by credit team
• Ensure to strengthen area credit team to include more responsibilities
• To manage direct and indirect team of close to 4-10 people.
• Involve in process reengineering, Audits, Policy change discussions etc.
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  

Business

• Ensure Credit policy and process adherence in the Cluster.
• Co-ordinate with Legal & Technical Agencies.
• Guide/Monitor Credit Officers of the cluster.
• Ensure timely training to branches in the cluster.
• Suggest Policy revisions in line with changing market conditions.
  

Customer

• Expert knowledge of customer segments in various markets of India and their performance histories.
• Expert knowledge of negative profiles, negative property types and negative property locations
• Complete understanding of various collateral types of all regions and cities in India and their title documentation requirements for creation of equitable mortgage
• Knowledge of property valuation process through vendors and knowledge & keen
• interest in monitoring current property price / historical property prices.
• Meet appropriate customers for understanding of their needs
• Conduct underwriting for cases under purview
• Pick up EWS for the set of clients in his area
• Maintain portfolio quality of the Cluster as per company norms.
• Monitoring and tracking of HL Loan cases.
• Maintain various standard MIS for HL Loan.
• Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies.
  

Internal Process

• Appropriate Intervention to manage ground level risk effectively.
• Ensure adherence to RBI regulations on documentation and KYC compliance.
• LUC and periodic loan monitoring framework
• Provide Audit Compliance.
• Timely hiring of Credit Officer for the Cluster as per the budget
  

Learning & Performance

• Maintain up to date knowledge of HL and other related products.
• Upgrade self and team about changes happening in the market.
• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
• Ensure on time appraisal and suggest suitable career paths for staff
  

Note: Highlight only the critical baseline responsibilities; and not activities that the role holder might do on an ad-hoc/on-off case

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  

Educational
Qualifications

• Graduate or Post graduate (preferred MBA) from a reputed college.
  

Experience(Years and Core Experience Type)

• Preferred experience of 4 years or more in Credit Home loans/Mortgage Loans/MSME Loans Loan products.
• Team handling is a must.
  

Certifications

• NA
  

Functional Skills

• Knowledge of Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts
• Business Analysis Skills
• Communication Skills.
  

Behavioral Skills

• Team Management Skills
• Leadership
• Possesses good interpersonal skills.
  

Competencies

• NA
  

PREPARED BY: Credit Housing
DATE: 30-01-2024
REVIEWED BY: Anand Devata
DATE: 30-01-2024
LAST UPDATED BY: TM Team
DATE: 30-01-2024