Job Description

Designation: State Credit Manager -Housing Loan &LAP (Pan India)

Business Unit: Rural Banking

Reporting to: Credit Head

Location: Kerala

Job Description

• Be the key personal to Credit Head and work with him / her in planning and executing the Credit strategy in Rural Banking vertical specifically in Housing Loan and LAP
• Other than HL& LAP, organization is currently having products suites like Micro Enterprise Loan, Two Wheelers Loan, Affordable segment Home Loans and LAP, Commercial Vehicle, Gold Loan, etc.,
• The Current Area of Operations is established to majorly with Tamil Nadu, Maharashtra, Kerala, Karnataka, Orissa, etc.,
• This product line will be expanded as the organization grows; the incumbent is expected to work closely with the Credit Head and other key stakeholders to drive Credit Policy.
• Oversee Credit life cycle - analyzing the current business statistics &supports Credit Head in developing and executing Credit Policy
• o Divisional, Regional & State level analysis of customer and business segmentation and assessment of their needs
• o Drive adoption and penetration of existing products through deepening of existing markets
• o Ensure training and understanding of the product by Credit Policy across the country
• o Be the Single point of contact for any MIS &queries / help that branch staff may have regarding products
• o Work on fulfilling and resolving queries relating to systems, policies and processes
• o Do a deep analysis of the Credit trend and functioning of the product and give input periodically to the Credit Head and Regional Credit Heads to improve various performance metric of the product
• Credit Management: Overseeing and guiding team on developing on -going market insight, identify sector trends and work with Credit team and stakeholders in developing competitive product proposition.
• KRA planning: Work with Credit Head and HR team to put in place the right mix of parameters as part of KRA at various roles / level in the organization.
• Portfolio Review and Performance management: Analyze Product and Portfolio Performance. Assess channel Performance. Rationalization of Portfolios.
• Process Streamlining: Work with stakeholders in Customization/digitalization in the process
• Product Support: Devising training module, imparting training to various team co-ordination with various support vertical etc.
• Stakeholders - Business, Ops, Tech, Risk, Compliance, Legal, Operational Risk, etc.,
• Regulatory compliance adherence and advisory at all times

Key Skills:

• Analytical and Problem Solving
• Motivated and Energetic
• Solution Oriented
• Multilingual is preferred
• Good Communication Skills -both Written and verbal
• Preference to candidates who understand Rural Market nuances
• Team management and people orientation
• Good stakeholder management skills