Credit Executive - Hub, Group Loans (Telangana)

Job Description Job TitleCredit Officer/ Credit Executive/ Credit Manager - SGFunction / DepartmentSolidarity Group Department HeadNational Credit ManagerReporting ManagerCredit Hub Manager-SG Purpose of the Job: The Group Loan Credit Manager will be responsible for independent credit evaluation and decision-making for group loan proposals. The role involves conducting Video Personal Discussions (VPD), assessing borrower eligibility and credit risk, approving or rejecting loan proposals, and initiating disbursements in strict adherence to the organizations credit policy, processes, and regulatory guidelines. The role supports multiple branches and ensures portfolio quality across the assigned geography. Describe the KPIs against each perspective PerspectiveKey Performance IndicatorsBusiness & Financial Management-To have basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and others -To appraise or underwrite MF loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority -To conduct personal discussion with customer / client with intent to understand and analyze associated risks in the business and financial standing of the client. -To assess the income, ability, intention, business sustainability & credit behavior and verify it through video PD, income documents & reference checks and various credit bureau checks. -To manage the entire credit assessment process right from the origin till Focus - Managing the overall decisioning TAT to have an excellent customer experience. -To ensure complete adherence to laid down policy and procedure / process -Liaise with other functions to proactively assess and resolve issues faced by client. -Structure the right product to the customer during customer interactionsProcess / Quality Improvement- Manage credit quality and control delinquencies, frauds Understand credit policy as well as credit environment in the state/branch - Structure the right product to the customer during customer interactions - TAT on closure of cases - Process discipline demonstrated by satisfactory audit reviews - To prepare and maintain MIS covering all aspects of the credit process and proposal and circulate to authorities on timely basis. Decision making authority Describe the authority permitted to take decisions, and those you are expected to recommend AreaDecisions takenDecisions recommendedResolution TATNANAProcess ChangesNANACommunicationNANA Self deliverables The most important tasks performed on an individual basis without involving subordinates are: Sr. NoTask performed1Ensure AP Ref no.if generated as soon as a file is logged in2Check Bureau of every file after login.3Ensure Video PD and/or TVR is done after Bureau generation4Initiating PD of Cases getting eligible under Policy.5Maintaining TAT with respect to initiating PD and getting additional documents required.6Relook at cases which have been rejected basis merit7Credit approval of deals as per authorized limits, recommends and forwards to appropriate authority incase of higher limit, deviation, deferral.8Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact9Review templates on valuations periodically, set-up grids for valuations, based on market conditions.10Periodically do a trend analysis for early warning indicators on location risks and others with the mitigants used to resolve.11Co-ordinate with FCU for setting up specific triggers12Ensure approval tracker is given to Business13Credit approval of deals as per authorized limits, recommends and forwards to appropriate authority incase of higher limit, deviation, deferral.14Clear the various exception raised.15Review portfolio every month with respect to delinquency / losses / fraud for the period underwritten with respect to the following - Bucketwise delinquency being within the triggers - NCL within the budgeted figure - Non Starter at minimum level - Negligible skip / fraud cases 16Ensure documentation is in place before initiating disbursement, with reviews done periodically on the the completed document is moved into the Operations Queue for disbursement18Reviews credit admin activities to ensure the activities are completed within stipulated time frame.19Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions.20- Early warning indicator tracking for the location, key risks, segments, asset levels and mitigants addressed and for EW for customers. 21- Industry trends, key factors impacting industry and specifics related to the market, performance of trades in market and indicators both local and regulatory and its impact. - Monitoring portfolio adherence to triggers and surface underlying issues with possible solutions. - Responsible for ensuring documentation and process adherence. 22 .