RB Collection UnderwritingCPC Relationship Officer Retail Credit Axis Bank

About Collection and Underwriting Department:The Collection and Underwriting department focuses on the collection of the bank’s various loan products like Home Loans, Car Loans, and Personal Loans among others. While underwriting department focuses on risk mitigation towards the loan offered to the customers. The department is key for the Loans business vertical as it is responsible for controlling & ensuring timely EMI collection & maintaining risk of the business.About the Role:The CPC Relationship Officer is responsible for coordination between sales team and customers. They are also responsible for Interacting with external vendors like lawyers and technical agencies. They are also responsible for understanding property related aspects and resolution of legal technical queriesKey Responsibilities Review FTR for Legal & Technical as per targetEnsure Cost Rationalisation basis region & location wise top cost data to reduce cost as per targetEnsure Customer Satisfaction and reduced escalated complaint ratio as per target at the end of FYEnsure target is measured basis Internal and Concurrent audit conducted and Report submittedEnsure Turnaround time (TAT) - Average Login to Legal & Technical Sanction TAT for the Locations/Products mapped excluding customer TAT.Ensure Training to teammates. The source of measuring will be stake holder feedback & to share the minutes of the Training Qualifications:Optimal qualification for success on the job is: Post-Graduation /Graduation from a recognized institute Role Proficiencies:For successful execution of the job, the candidate should possess the following: Working knowledge of all retail banking productKnowledge of regulatory guidelines and normsWorking knowledge of handling Customer ServiceGood communication (both verbal and written) skill in both English and the local languageAbility to handle pressure and meet deadlines.In-depth analytical skills with the ability to digest and interpret complex conceptsGood communication skills with the ability to communicate to multiple and varied audiences (technical and non-technical)Understanding of Retail credit risk processes, systems and scoring