Cluster Credit Manager (CCM) jobs Financial firm in Pune

Job Description:

Qualifications Minimum Graduation
Experience 5-15 years experience required in Financial services preferably NBFCs dealing with mortgage loans, housing loans, PL. Minimum 3 years experience in credit appraisal is essential for this role. Experience of managing/leading a team would be preferred though not essential.

Department Credit & Risk
Organizational Relationships
Position reporting to State Credit Head
No. of Direct Reports 5-7

Job Purpose:
To manage the branches in cluster for all credit and risk related function.
To train, mentor and coach all employee of cluster ( including credit managers) with respect to credit policy, processes.
To help the cluster achieve overall budgeted numbers ( Portfolio, NPA and Profitability)

Key Responsibilities: Managerial Responsibilities
Manage the team of Credit Managers/Asst. credit managers ( Recruit, train and manage)
Manage the underwriting of all cases in cluster within stipulated time as prescribed
Take constant feedback from the team to clear any bottle necks / solve any issues and ensure least attrition in the cluster
Ensure Branch Discipline and monitor other routine issues

Functional Responsibilities:
Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required ( for stipulated loan amount)
Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch team
Credit Policy: Manage the changes in Credit policy as per market requirement to maintain healthy portfolio quality
Training: Training branch credit team regularly on credit policy and improvement areas.

Job Requirements:
Functional Competencies
Proficiency in MS Office and Open Office (Word, PowerPoint, Excel), Basic Accounting Skills
Good knowledge of local language is required ( reading and writing also)
Role requires the person to travel to branches for about 18-22 days in a months across the branches ( 4-6 branches). Some amount of travel would require to stay overnight at the branch location ( about 6-10 days)

Behavioral Competencies:
Ability to effectively communicate with customers and prospective customers
Ability to effectively communicate with direct reports and also business team
Ability to work with minimal direction. Self-starter
Ability to prioritize, multi-task, delegate, and proactively resolve problems
Good leadership and people management skills, with ability to manage people both directly and indirectly at multiple levels and remotely

Key Interactions
Internal
All branch employee
Non Branch Staff ( HR, IT and Ops Team)

External
Customers/prospective customers
Competitors/other players in market
Vendors ( Fraud agencies/advocates/valuers)