National Credit Manager

Hiring for – National Credit Manager Department- Credit Department Location- Mumbai Industry- Banking Overall Job Description • Maintain the highest level of credit & risk standards, compliance to laid down guidelines and quality norms along with timely and accurate underwriting. • Should have an understanding of credit policy and processes as well as the credit environment. • Credit approval of transactions as per authorized limits. Recommends and forwards to appropriate authority in case of higher limit, deviation, or deferral. • Market references and builds good reference touch points. • Ensure TAT adheres to credit delivery. Coordination with business teams for reducing TAT and improving approval ratio. Monitor end-to-end TAT process for credit analysts • Review portfolio every month and manage credit quality and control delinquencies basis control on bounce rate, early delinquency and skip tracing. • Support the Risk and Policy team in framing policies. • Aware of industry trends, key factors impacting the industry, performance of trade in the local market and another regulatory impacts. • Managing the credit team. Work with both Credit and sales teams to bring a quality portfolio • Resolution of accounts in potential problems and watch lists • Track external rating downgrades, and irregularity reports and initiate intervention • Ensure timely reviews and renewals. • Product programme review to be conducted. A review of promoter funding and Working capital product needs to be done by analysing LTV parameters, cluster-based approach, Industry specific product lines etc. Portfolio review to be concluded before finalizing the review of the product programme. • Set in attitudinal and process changes to minimise back & forth handoffs, and ensure requests for information are cogent, relevant and reasonable. Monitor and take corrective steps for comprehensive and error free Risk advice