RC - Credit Officer - B2C - Rural Credit

Role description

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

About the Role

CPC Credit underwriting managers manages core underwriting activities at the Credit Processing Centres. Credit Processing

Associates would be reporting.

Key Responsibilities

· Monitoring Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products.

· Ensuring Data Entry quality by validating the data been updated by CPAs. Monitoring the data entry updating in all

relevant applications as required by Bank.

· Review of proposals and decisioning loans in line with Bank Policy guidelines.

· Audit & Compliance adherence. Ensuring non-repetition of negative Audit Observations.

· Training, Process improvement, policy feedback, vendor management, participation in pilot runs/testing etc..

· Stakeholder management.

· Idea generation for new projects for process efficiency and cost saving.

Qualifications

Optimal 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