credit manager (Nizamabad)

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Credit Manager Branch Channel. Secured & Unsecured Lending Business 3 Grade : D1 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : - End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing center for All Branches Across India. - Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system. - Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio - To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations. - Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs . - Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system. - To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation. - To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. - Continuously work on process improvements with PAMAC and Branches . - To effectively liaison with law authorities for resolving conflicts if any. - To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : - A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work. - Proven ability to Work under Pressure with regard to TAT - Adherence to laid down credit policies and suggest improvements if any. - Atleast 5 years experience in underwriting role, with at least 3 .