Credit Manager - Personal Loan

- Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank.

- Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern.

- Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders.

- Ensuring process & underwriting efficiencies through tech initiatives/digitalization.

- Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance.

- Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies.

- Support system changes to improve quality of data and ease of processes.

- Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.

- Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement.

- Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis