RC - Area Credit Manager - Mortgages Credit

Role descriptionRC - Area Credit Manager - Mortgages CreditINTERNAL USAGE:No. of Vacancies: Reports to:RCMIs a Team leader?YTeam Size:5-7  Grade:M/SM/AVPBusiness:UnderwritingDepartment:�Retail CreditSub-Department:CPCLocation: About Retail CreditThe Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processesAbout the RoleArea Credit Manager is Team Leader Role with CPC Credit underwriting managers reporting. Ensure smooth functioning of Credit Processing Centre, which is responsible for processing and underwriting of Centralised & Decentralised Files.Key ResponsibilitiesMonitoring Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products at desired levels. Ensure the quality of proposals and credit appraisal to minimize delinquency.  Ensuring compliance of Audit & Compliance reviews.Ensuring quality of Data entry with minimal error ratio and non-repetition of Audit Observations.Periodic Training, policy feedback, vendor management, participation in pilot runs/testing etc.Stakeholder management. Regular meeting with competitors, analyse market feedback from different stakeholders to benchmark the competition.Idea generation for new projects for process efficiency and cost saving. QualificationsOptimal qualification for success on the job is:�         Graduate / Post- Graduation (MBA/ CA preferred)�         Experience in retail credit with team handling.Role Proficiencies: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