Cluster Credit Manager - Housing (CCM)

Job Description

Position: Cluster Credit Manager

Grade: SM

Department: Credit

Location: Cluster

Sub-Department: Housing

Type of Position: Full-time

Reports To: Area Credit Manager

Reporting Into: Credit Officer

Role Purpose / Objective

Expert knowledge of assessing credit risk for Home Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.

Conduct income appraisal of salaried and selfemployed borrowers. Indepth understanding and analysis of P/L Account and Balance Sheet including cash flows of selfemployed borrowers.

Assess income to obligation ratios, loan to value ratios, indepth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

Provide market intelligence from a competition and customer standpoint.

Recommendations on new processes fraud control initiative etc.

Manage Credit Officers team.

Size of the Role

Financial Size

Manage entire Area underwriting teams

Handling portfolio from 50 Cr to 200 Cr

Supervising the monthly disbursement of 60-150 files from the assigned area

NonFinancial Size

Efficient TAT management by credit team

Ensure to strengthen area credit team to include more responsibilities

To manage direct and indirect team of close to 4-10 people.

Involve in process reengineering, audits, policy change discussions etc.

Key Duties / Responsibilities of the Role

Business

Ensure Credit policy and process adherence in the Cluster.

Coordinate with Legal Technical Agencies.

Guide/Monitor Credit Officers of the cluster.

Ensure timely training to branches in the cluster.

Suggest policy revisions in line with changing market conditions.

Customer

Expert knowledge of customer segments in various markets of India and their performance histories.

Expert knowledge of negative profiles, negative property types and negative property locations.

Complete understanding of various collateral types of all regions and cities in India and their title documentation requirements for creation of equitable mortgage.

Knowledge of property valuation process through vendors and knowledge keen.

Interest in monitoring current property price / historical property prices.

Meet appropriate customers for understanding of their needs.

Conduct underwriting for cases under purview.

Pickup EWS for the set of clients in his area.

Maintain portfolio quality of the Cluster as per company norms.

Monitoring and tracking of HL Loan cases.

Maintain various standard MIS for HL Loan.

Ensure various reports are being sent to stakeholders on monthly basis at regular frequencies.

Internal Process

Appropriate intervention to manage ground level risk effectively.

Ensure adherence to RBI regulations on documentation and KYC compliance.

LUC and periodic loan monitoring framework.

Provide audit compliance.

Timely hiring of Credit Officer for the Cluster as per the budget.

Learning / Performance

Maintain up to date knowledge of HL and other related products.

Upgrade self and team about changes happening in the market.

Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives.

Ensure on time appraisal and suggest suitable career paths for staff.

Note: Highlight only the critical baseline responsibilities; and not activities that the role holder might do on an adhoc/onoff case.

Minimum Requirements of Knowledge / Skills

Educational

Qualifications

Location Pune, Akurdi, Pimpri, Navi Mumbai, Thane, Chembur, Mumbai, Govandi, Nashik, Goregaon, Borivali, Sion, Santacruz, Vadodara, Ahmedabad, Jalgaon, Nagpur, Himatnagar .