RC - Credit Officer - PL - NPC

RC - Credit Officer - PL - NPC

INTERNAL USAGE:

No. of Vacancies: Reports to: Manager

Is a Team leader N Team Size: NA

Grade: AM/DM

Business: Underwriting Department: Retail Credit Sub-Department: Centralized underwriting

Location: Mumbai/Noida/Hyderabad/Bangalore/Chennai

About Retail Credit

The 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 processes

AbouttheRole

The - Credit Officer PL manages core underwriting for Personal loan, Underwriting will be for various different channels.

Key Responsibilities

Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.

Turnaround time (TAT) from Login to Sanction- Login to Sanction for all products as confirmed.

Early Warning Signal- Location wise FPD for term Loans- Location-wise FPD % for Business Loan as confirmed.

Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted

Training, Process improvement, Special assignment, support provided to Existing CPC,policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations &products. Feedback from Head Credit - & Other stake holders will be the source.

Stakeholder management

Qualifications

Optimal qualification for success on the job is:

Graduate / Post- Graduation (MBA/ CA preferred)

Fresher or Experience in retail credit

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

Full time