Back to Bounty Hire
    Ummeed
    Ummeed

    State Credit Head

    General
    Hyderabad,
    30,000 Bounty

    Job Description

    Responsibilities

    Role - State Credit Head

    Department - Credit

    Job Responsibilities:

    • Experience - Home Loan and Mortgage experience of assessing informal income and customer profile.
    • Appraisal and approval of proposals including supervision of credit underwriters.
    • Credit Appraisal-Underwriting of Home Loan & Mortgage loan files by analyzing applicant's financial status and credit evaluations to determine feasibility of granting loans with adherence to turn around times (TAT) and supporting business requests.
    • Assessment of customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline). Highlighting key risks, structuring and ring - fencing exposure and presenting proposals to credit committee.
    • OTC/PDD Tracking - Responsible for tracking of OTC’s & PDD of the zone and ensure timely completion. Monitor documentation deferrals and collection of PDDs. 
    • Portfolio Quality - Manage the portfolio quality and ensure compliance to policy norms. Ensure that there is no compromise on the Quality of Credit & maintain a healthy portfolio.
    • Review & Monitor - Monitoring performance of borrower portfolio and preparing reports on periodic basis. 
    • Delinquency Monitoring - Monitor the performance of the portfolio based on Non Starters & Early Delinquency, delinquency of various sourcing channels, products, customer segments, etc. 
    • Work closely with the Technical , Collection and RCU teams to ensure high quality portfolio
    • Training - of credit underwriters on Policy norms and provide proper inputs to the Policy team for upgradation or improvement in Policy/process. 
    • Recruitment - Recruitment, Training and Mentoring of Credit team. 
    • Competition Tracking - Competitors activity and meeting competitors on a monthly basis to understand changes in portfolio, market, etc.
    • Audit - resolve audit queries & share the gaps in underwriting.
    • Provide inputs to analytics team to build portfolio analytics and scoring model.

    Desired Competencies

    • Excellent credit assessment skills to help build a secure profitable portfolio.
    • Strong Communication, Interpersonal Skills & organizational Skills
    • Problem solving and ensure Customer centric approach
    • Excellent Analytical & Problem-Solving skills, ability to train and carry the team along.

    Bounty Reward: ₹30,000

    Successfully refer a candidate who gets hired for this position and earn the full bounty amount. Fill out the referral form to get started.

    Refer a Candidate

    Bounty

    30,000

    Type

    General

    Location

    Hyderabad

    Referrer Details

    Candidate Details