About the role
Job Purpose
The role is responsible for maintaining productivity of the assigned area, delivering solutions as per predefined SLAs and implementing policy related enhancements
Key Responsibilities
Managerial Responsibilities
- Conduct frequent team reviews both sales & collection and provide feedback to ensure compliance with policy.
- Assist the Regional Manager in staffing of the team; provide necessary training to the team on credit policy & organization standards
- Ensure compliance with all process standards as per the organization’s credit policy
Functional
Responsibilities
- Ensure to publish daily MIS on all consumer finance products
- Ensure to do analysis as required e.g. bounce analysis, OD analysis etc. MS Office, SQL etc. (PowerPoint & Excel) knowledge is essential.
- Ensure that all new credit lines (asset products) meet laid down credit policy guidelines on documentation and eligibility
- Ensure to visit the market to understand the quality of the portfolio and suggest changes in policy, accordingly, visit OD cases & dealers etc.
- Implement strategies to minimize delinquencies and the amount of write-off loss for across assigned products
- Regularly follow up on arrears; liaise with the sales, collection, RCU team to follow up for managing portfolio
Job Requirements
Qualifications
Graduate / Postgraduate
Experience
6 -7 years (should be able to work with teams across functions (Business, collection, RCU and other cross function teams of multiple locations)
Functional Competencies
- Knowledge of credit approval process, portfolio metrics, early MOB and associated risks
- Knowledge of products, organization standards & credit policy
Behavioral Competencies
- Process oriented mind-set
- Good communication skills,
- People management skills