Job Description

Position - Geo Credit Manager for Home Loan Job Responsibility Managing the overall credit function Implementation of policies, procedures, and credit underwriting guideline Formulate, review and implement the Credit Policy of Hinduja Housing Finance appropriate for the market segment (working with primarily undocumented income/credit profiles) sought to be served Maintenance of TAT, Compliance, policies and procedures as per NHB guidance Preferred candidate profile Managing large business volumes Manage productivity and TAT of the team Recruit and train the Credit Team Create and maintain metrics reports on marketing and sales activities, effectiveness, and business impact Loan operation activities Banking and collection activities Managing end to end disbursement process Working closely with HO and Regional leadership To ensure adherence of file TAT in operation To design and implement workflow To tie-up with various third-parties for scaling up operations To actively coordinate with Sales and Risk teams To handle and implement improvements in Loan Management System To manage payment processes (PDC, ECS, NACH, Ckyc, e-collections) and EMI banking To handle daily and monthly reconciliation of GL, Bank and Loan Account To monitor the fund balances, forecast and manage fund flows and ensure adequate liquidity for working capital requirements To improve operational efficiency of various teams by reviewing and measuring performance against internal & external benchmarks Education Required CA / CWA or MBA/PGDM Finance Experiance 15-25 years of experience in Asset Credit, Risk Assessment, Credit Operations and Credit underwriting Preference will be given to Banking & NBFC industry.

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