· Appraises /recommends/ approves credit proposals as per the delegation of authority.
· Reviews delinquent cases and document learning’s / portfolio reviews for risk management.
· Conducts process audits and reports delinquencies and anomalies.
· Recommends changes to policy/process based on local nuances / competitor feedback.
· Implements system integration plans.
· Monitors NPA and keeps a track of it.
· Ensures field customer visits for PD and deliveries within agreed TAT.
· Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team.
· Ensures maintenance of Healthy Portfolio for the bank.
· Makes customer visits wherever required to ensure appropriate closure of the deal.
People Management or Self-Management Responsibilities
· Manages CPA Team.
· Imparts Training and knowledge sharing
Risk and Internal Control Responsibilities
· Identifies process and policy gaps and potential risk arising out of it.
· Suggests internal control measures and ensure implementation to address such gaps.
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