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Branch Credit Manager-Rural

Employer
IDFC FIRST Bank
Location
Jind Jind, Haryana Haryana, Haryana, India
Salary
Competitive Salary
Closing date
Apr 24, 2024

View more

Job Role
Manager
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Role/

Job Title:
Branch Credit Manager-Rural

Function/Department: Rural Banking

Job Purpose:

The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles &

Responsibilities:

  • Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms.
  • Maintaining Credit TAT to ensure the growth of business.
  • Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases.
  • Conducting Random Visits in order to cross check the authenticity of the Contact point verifications.
  • To manage post disbursement documents and partly disbursed cases.
  • Maintaining credit MIS and various management reporting as required.
  • Manage Audit compliance for the branch and support in other operational activities.
  • Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
  • Recommend process changes in order to improve service efficiency and quality across the assigned area.
  • Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.

Education Qualification:

Graduation: Any graduates.

Experience: 2 to 5 years of experience in credit.

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