Key Responsibilities:Processing cases on underwriting based on overall consideration of customer's profile and in compliance with bank policy and procedures• Ensuring timely delivery and acceptable risk rating is achieved by the department in all internal & external audits.• Effectively managing the team and continuously striving to improve productivity rates and increases quality.• Monitor the feeding of data accurately by the staff for generating of daily /monthly MIS for tracking departmental performance.• Ensure timely handling of all applications received at retail credit department and ensure quality service to internal/external customers through adherence to agreed service level agreement (SLA).• Adherence to banks policy while approving/recommending cases.• Prepare credit proposal for higher management.• Increase productivity of the staff and reduce resource consumption.• Assisting the managers in monitoring risk and market trend to suggest amendment in policies when required to minimize risk & increase quality.• Identify anomalies in credit policy and highlight to unit manager/policy managers.• Undertake departmental projects assigned from time to time• Cross functional negotiations / counter offers as and when needed.• Coaching / mentoring of staff and internal customers.• Review team performance and deliverables in line with the approved KPI's to ensure meeting desired objectives.• Incorporate and comply with the bank's core values especially the Customer First in your day to-day activities.• All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
Work Experience:Minimum 4 - 6 years banking experience, mainly in retail credit environment.
Education:Bachelor's degree