About Bharat Banking:

Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel.

Nano-business is a new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh.

About the Role:

The Regional Verification Manager is responsible for managing a team of verification officer responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano Business loan.

The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank.

Key

Responsibilities:


Manpower planning and hiring for the region Tracking and improving manpower productivity Ensure the verification process is compiled within expected TAT with first time right approach Ensure Verification officers are trained on the policy and processes Imparting training to Sales Officer/Manager for quality sourcing Fraud risk management Managing compliance on documentation Managing early delinquencies to ensure portfolio is healthy and there are no nonstarter cases Keeping regular track of competition and reporting new products/market development/Legal risks/ Political Risks/Local demographic issues Periodic visits of customers and cross checking of sourcing quality/ loan utilization Adhering to the banks policies and ensuring compliance of the same

Qualifications:

Optimal qualification for success on the job is:

• Graduation/Post Graduation


• 5-10 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL


• Good understanding of Micro/Small unsecured business loan, Affordable housing or Small ticket LAP

Role Proficiencies:

For successful execution of the job, a candidate should possess the following:

• Good knowledge of field level operations and systems


• Experience in assessed business income is must.


• Good understanding of Micro/Small unsecured business loan, Affordable housing or Small ticket LAP


• Good leadership skills


• Good communication (both verbal & written) and inter-personal skills


• Time management


• Ability to work effectively across functions and demonstrated ability to coach and mentor others


• Ability to work as a part of team and contribute towards team goals


• Ability to prioritize and make decisions in a fast-paced environment
  #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"