Credit Manager

Job Description

HINDUJA HOUSING FINANCE

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Job Description
Job Title/Grade: Cluster Manager - Credit
Department: Credit
Age group: 22- 33 Yrs
Team Size: NA
Grade:
Reporting To: Regional Manager - Credit
Location:

Managing Credit and Operations for Home Loans of the Region.
Credit appraisal as per policies, procedures, and credit underwriting guideline.
Maintenance of TAT, Compliance, policies and procedures.
General Job
Responsibility

Customer Application Screening, KYC and Income documents as
collected by SO for login.

Initiate legal, valuation, CIBIL and other verification reports
Interpretation of Credit Bureau Report
Analysis of Bank Statements and other relevant documents for
income assessment.

Strategic

Meet customers and do business and income earning capacity as
per the Credit Manual & Guidance Notes
Principal
Accountabilities
Co-ordinate with SO for post approval activities like Loan
documentation check, Sanction conditions adherence, PDC and
NACH forms accuracy and send the file to HO for disbursements.
Responsible for tracking and collecting all Post Disbursed
Documents including Loan Closure letters on takeover, Collecting
Sale Deeds for new purchases and sending to HO.
Responsible for PDC/NACH replenishment to ensure regular
repayment of EMI.

Tactical

Ensuring operations are running in a streamlined fashion leading
to best customer experience and enabling a motivating
environment for staff across the network of Dialysis Units.
Leading the Centre Managers / centre staff and guiding them to
achieve operational excellence for their cluster of centres,
counselling them, coaching them and ensuring they do their job
well.

Supervisory

Identifying targets and reviewing & evaluating performance,
identifying & addressing deviations & its relevant causes.
Ensuring adherence to quality standards in the unit operations.
Implementing the Performance Appraisal Plan for the staff,
Finalization of KRAs, Evaluating & providing feedback.

Enabling the employees development by specifying their job
competencies & through training.
To optimize expenditure by cutting costs and enhance profit
margins.

Person Profile
Educational
Qualification

Graduates and CA or MBA/PGDM Finance
Experience

1-5 yrs experience in Credit Operations and Credit underwriting.
Preference will be given to Banking & NBFC industry candidates

Specific Skills

A High Level of Professionalism.
A Passion for Building and Growing Relationships
Ability to Gather Feedback and Provide Innovative Insight
Leadership & People management- Influencing people, Team
work,

Employee development, openness and transparency.
Good knowledge of administration.
Total Quality Management & Process Improvement.
Interpersonal Relations- Team work, Effective communication,
Positive & Empathetic attitude, Presentability
Personal Effectiveness- Excellent written and oral
communication, Positive and Empathetic Outlook, Initiative and
Commitment

Work Ethics- Ensuring Process and Protocols are maintained,
Focus on Learning and continuous improvement, Achievement
Orientation.

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More Info

Education