Job description:

Roles and Responsibilities:

· Managing the overall credit function of the zone

· Implementation of policies, procedures, and credit underwriting guideline

· Formulate, review and implement the Credit Policy of the Company appropriate for the market segment (working with primarily undocumented income/credit profiles) sought to be served

· Maintenance of TAT, Compliance, policies and procedures as per NHB guidance

· Managing large business volumes

· Manage productivity and TAT of the team

· Recruit and train the Credit Team

· Create and maintain metrics reports on marketing and sales activities, effectiveness, and business impact

· Loan operation activities

· Banking and collection activities

· Managing end to end disbursement process

· Working closely with HO and Regional leadership.

· To ensure adherence of file TAT in operation

Desired Candidate Profile

CA / CWA or MBA/PGDM Finance

· A High Level of Professionalism.

· A Passion for Building and Growing Relationships

· The Ability to Gather Feedback and Provide Innovative Insight .

· Should take ownership of deliveries of all processes related to Consumer Finance Operations, including:

· Sales / Credits

o Collections

o Disbursements

o Closures

o Customer Deliverables & Services

· Must have overseen pre-banking, PDD, centralized processing, customer service, IT implementation, Analytics, Business Process re-engineering and process improvement

· Must have sound experience of at least 10-12 years in the NBFC domain, managing operations of small ticket size loans

· Responsible for digitalization initiatives and automation projects

· Should identify best practices and improve internal systems

· Lead, coach, develop and retain high performance management team