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IJP Area Credit Manager-Housing
East 3359-Burdwan, Bardhaman, West Bengal, India
Department
EAST CREDIT HOUSING
Job posted on
Dec 7, 2021
Employment type
Permanent
Experience range
4 years – 6 years
Implement robust credit underwriting policies and processes for Housing loans in the region and ensure that the processes/policies are effectively managed on the field.
Conduct field visits randomly to understand the field orientation
Drive Implementation of New Technology for Credit Processing in the Field
Ensure that Housing and Credit team are trained on the policy or process changes
Monitor Portfolio Quality of Housing for the assigned clusters
Strong orientation and understanding of the Data to take decisions and actions
Engage with Risk committee to monitor credit risk and ensure Risk is managed proactively, Involve in IDM, Risk Committee meetings, Audit closure meeting
Work closely with Collection team to manage collections in different buckets at the field
Prepare action plan for high risk / poor scoring branches along with business team
Visit overdue cases, high ticket size customers and rare occupations to understand the field
Co-ordinate with other departments for effective resource utilization and conflict management
Escalate Field issues and ensure actions are taken as per Penalty Matrix
Prepare staffing budget, ensure timely hiring and build strong Credit team in the field.
Ensure proper induction of staff and ensure staff attrition is within the defined limit
Conduct Staff Meetings and Represent Credit in staff representative meetings, Audit Closure meeting
Be aware of the market trends and activities of Competition to adopt best practices