Credit Manager - Personal loan - Vishakhapatnam and Coimbatore

Axis Bank; Visakhapatnam District, Coimbatore; Sur place; INR 700 000 - 900 000; Plein temps

Résumé du poste

Axis Bank seeks a Credit Officer PL to manage underwriting for Personal loans across multiple channels. The role focuses on approval rate tracking, TAT from login to sanction, and maintaining compliance through audits. Strong analytical and communication skills are essential for effective stakeholder coordination and policy feedback.

Candidates should be versed in credit trends and regulatory norms, with fluency in English and local language to interact with diverse teams and locations.

Qualifications

• Knowledge of credit, industry and product trends.
• Knowledge of regulatory guidelines and norms.
• Good communication (both verbal and written) in English and local language.

Responsabilités

• Approval rates tracking and review for the year across locations.
• Monitor turnaround time from login to sanction for all products.
• Track location-wise FPD and term loan/ business loan indicators.
• Support audit and compliance through internal and concurrent audits.

Connaissances

Credit underwriting

Risk assessment

Regulatory guidelines

Communication skills

Industry knowledge

Description du poste

About the role : The - Credit Officer PL manages core underwriting for Personal loan, Underwriting will be for various different channels.

Role & responsibilities

• Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
• Turnaround time (TAT) from Login to Sanction- Login to Sanction for all products as confirmed.
• Early Warning Signal- Location wise FPD for term Loans- Location-wise FPD % for Business Loan as confirmed.
• Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
• Training, Process improvement, Special assignment, support provided to Existing CPC,policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations &products. Feedback from Head Credit - & Other stake holders will be the source.
• Stakeholder management

Preferred candidate profile

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

• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language