State Credit Head

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.