Credit Team Leader - Commercial Vehicle

Job Requirements

Role/Job Title: Credit Team Leader – Commercial Vehicle

Business: Retail Banking

Function/ Department: 'Retail Underwriting

Job Purpose :

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank

Roles & Responsibilities:

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• Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honour the agreed SLAs and manage area business volumes
• Supervise a team of credit underwriters and provide guidelines
• Conduct personal discussion with customers to establish credit worthiness
• Control and contain front-end delinquencies by calling up customer on first presentation
• Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits
• Coordinate with sales to achieve targets and ensure SLAs are met
• Ensuring credit policy adherence to the accepted standards
• 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
  
  

Secondary Responsibilities:

'a) Proficient in MS - Word /Excel and power point

b)Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation.

c) Willingness to work extensively in the field and travel across the region on short notice.

d) Carrying out ad-hoc activities as per the requirement of the department.

Qualifications/;

Graduate - Any

Post Graduate - any

Minimum Number of Years: 5+ years of work experience