RB Collection amp UnderwritingCPC Credit Officer

Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.

· Approval Rates-CC/OD/Card Power/Secured Loans, basis the target will be reviewed for the year, for the location - Approval rates for all the locations - for the full year.

· Turn around time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.

· Turn around time (TAT) - Legal & Technical - L&T login to L&T Sanction for all secured products as confirmed.

· Early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.

· Risk Management

· Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted

· PSL Accuracy at product level needs to be maintained. Source- Audit report.

· Review, Renewal, Pendency - Timely inspection, Monitoring of accounts

· Training, Process improvement, Special assignment, support provided to Existing CPC, policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products. Feedback from Head Credit - & Other stake holders will be the source.

Qualifications

CA/MBA Finance with Credit Appraisal, expertise in the areas

Role Proficiencies:

· Working knowledge of all retail banking product

· Knowledge of regulatory guidelines and norms

· Working knowledge of handling Customer Service

· Good communication (both verbal and written) skill in both English and the local language

· Ability to handle pressure and meet deadlines