Associate Credit Manager-Credit Cards

Job Requirements

Role/ Job Title: Credit Manager-Credit Cards

Business: Retail Banking

Function/ Department: Credit Cards

Place of Work: Mumbai

Roles & Responsibilities

• Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled, and risks are mitigated while delivering a high quality service to customers
• Conduct detailed analysis of existing business portfolio and recommend changes to contribute to development of business
• Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT
• Employ tools such as automation and digitization to increase process efficiency
• Ensure the successful adoption of internal compliances & regulatory framework across the business
• Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation
• Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing
• Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy