FLM Branch Credit Manager

  • On Roll
  • Chandigarh
  • 1 month ago

Job Information

  • icon
    Salary ₹ 550000 - 800000
  • icon
    No. of Openings 3 opening
  • icon
    Required Skills : customer satisfaction,sales,team management,business development,customer experience
  • icon
    Job Experience : 5 - 10 years
  • icon
    Job Qualifications Bachelor's Degree

Job Description

Roles & Responsibilities Key / Primary Responsibilities of the Role - List the primary deliverables -• Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms
• Maintaining Credit TAT to ensure the growth of business
• Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases.
• Conducting Random Visits in order to cross check the authenticity of the Contact point verifications.
• To manage post disbursement documents and partly disbursed cases.
• Maintaining credit MIS and various management reporting as required
• Manage Audit compliance for the branch and support in other operational activities Secondary Responsibilities - List the deliverables other than primary, but essential for the role - Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
'-Recommend process changes in order to improve service efficiency and quality across the assigned area
'-Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service Managerial & Leadership Responsibilities - (if applicable) - Key Success Metrics Portfolio Quality (Delinquency Rations, Net Credit Losses, Bounce rates) TAT, cost of processing and manpower, credit appraisal, productivity