To underwrite corporate finance business and manage the portfolio in assigned area .

o Support and co-partner with business teams to manage end to end credit approval for the designated region
o Underwrite cases and present to senior level
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
o Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, full documentation attainment at the branch level.
o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases.
o Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
o Co-ordinate with the recoveries team and generate business insights.
o Lead a team of credit approvers to ensure portfolio quality and delinquencies.
o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.

MBA/PGDBA/PGPM/ CA or Equivalent

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the

o Support and co-partner with business teams to manage end to end credit approval for the designated region
o Underwrite for all customer segments for corporate finance products and present to senior level
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
o Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.
o Oversee and initiating follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
o Co-ordinate with the recoveries team and generate business insights.
o Lead a team of credit approvers to ensure portfolio quality and delinquencies.
o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
o Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region.
o Ensure compliance to all Audit /other regulatory regulations as well as processes, policies and reports as per company designed systems

o Support and co-partner with business teams to manage end to end credit approval for the designated region
o Underwrite for all customer segments for corporate finance products and present to senior level
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
o Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.
o Oversee and initiating follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
o Co-ordinate with the recoveries team and generate business insights.
o Lead a team of credit approvers to ensure portfolio quality and delinquencies.
o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
o Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region.
o Ensure compliance to all Audit /other regulatory regulations as well as processes, policies and reports as per company designed systems

Qualification: MBA/PGDBA/PGPM/ CA or Equivalent

Perform the following under the guidance/direction of Supervisor/Manager

• With help of Supervisor/ Manager, Identify the customers for protentional Business

• Collect the documents from Customers and validate as per the organization norms

• Logging the case in the system as per SOP and follow the process for disbursement.

• Fulfil – the Sanction ratio as per organisation requirement

• Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager.  

• With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them

• With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

1. Manage business and distribution for REG business within Business Lending Group for complex geograhpical locations  (bigger geographical areas with multiple districts and business pockets) with different business dynamics 
2. REG business will cater to MSME clients with turnover upto INR 30 Crs 
3. Ensuring overall portfolio and revenue targets are met.
4. Managing front line sales for driving business 
5. Managing key/strategic relation like channels like Branch & other channels for creating lead funnel. 
6. Building profitable franchise for SME. 
7. Manage and arrest slippage and maintain portfolio quality

1. Manage and build granular business upto exposure upto INR 5 Crs within turnover of 30 crs
2. Responsibility for  non-interest revenue including processing fee and trade & forex income 
3. Build and manage team including RMs
4. Drive business plan and strategy for growth in REG segment across Regions
5. Develop and enhance channel sales & support functions 
6. Manage compliance related aspects like covenant monitoring, audit compliances etc
7. Manage health of portfolio with close control of SMA and NPA
8. Engage with credit and operations, risk management, IT, Compliance etc to enchance various policies and processes
9. Establish team performance matrix, expectation and regularly review performance. 
10. Manage portfolio with increase cross sell  / stickiness 
11. Increase penetration of self-funding book (CASA, TD)
12. Expansion into new geographies
13. Monitor & review business profitability
14. Maintaining TAT & FTR controls

Qualification required: Graduate/  Post Graduate

Min Exp: 12 – 15 years

Max Exp: 13 – 15 years

Experience Level

Executive Level

• Responsible for entire post sanction credit operations of the region.
• Accountable for credit documentation, security /charge creation, compliance of all covenant precedence, collateral management, and exception tracking.
• Checker and approving authority at regional level for release of credit facilities

• Responsible for entire post sanction credit operations of the region. Checker for all transactions and approving authority at regional level for release of credit facilities. Ensure that the Bank’s policies /guidelines are adhered, and all regulatory guidelines are followed scrupulously.
• Responsible for maintenance of sanction register and periodic review of the same for ensuring TAT in disbursements. Liaise with internal stake holders for finalization of sanction letters, loan & security documents, arranging deviation approvals, deferrals, etc., if required. Also liaise with external legal counsel /Vendors /Lead Banks/Security Trustees, wherever required.
• Responsible for all pre-activation checks to ensure that conditions precedence is met, collaterals are in place, registration of charge with various authorities are completed, exceptions are tracked, and the borrower complies with all pre-release terms and conditions of sanction letter.
• Checker for data sheet prepared by portfolio manager and approving disbursements. Ensure security creation in all accounts as per sanction terms and registration of charges with various authorities within the timelines.  Responsible for tracking pending security creation accounts and periodic review of the same. Liaise with RM /Lead Banks/ Legal Counsels/ Security Trustees, etc. and support BU in attaining security perfection.
• To ensure updation of tracker for all post disbursement/ deferred covenants and periodic review of the same to ensure data sanctity.   Responsible for recovery of various charges/ fee booking as per sanction terms. Responsible for recovery of penal charges as per sanction terms.  Responsible for registering bank’s interest with ROC, Cersai, SRO etc.,  Ensuring correctness of data updated in insurance policies by the team. Tracker to be maintained and circulated among BU periodically. Guiding regional team on day-to-day operational issues, up keeping of registers, records, etc.
• Handling various types of audits (both internal & external), responsible for timely closure of audit reports related to CAT.
  Support Head – CAT in various projects, coordinate with various internal & external stake holders for smooth implementation.
• Ensuring correctness of all MIS emanated from the unit. Circulation of MIS to various stake holders periodically

Qualifications: Graduate / Post Graduate with CAIIB/CCO

Experience: 10 to 15 years

Experience Level

Mid Level

About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto ‘Make Life Simple’ inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What’s in it for YOU

1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
3. Dynamic, Inclusive and Diverse team culture 
4. Gender Neutral Policy
5. Inclusive Health Benefits for all – Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
6. Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose 

Responsible for leading team of Regional Managers for effectively conducting field collection Processes and deliver on portfolio performance.

Role Accountability 

1. Manage portfolio (Multiple Due Stages) performance through a team of Regional Collections Managers & ACMs, in line with Operating Plan. 
2. Ensure appropriate infrastructure and resource availability to carry out collections as per operating plan
3. Formulate collection strategies for the zonal cluster basis market dynamics, portfolio spread/segmentation and business requirements
4. Identify critical/non performing segments and ensure appropriate legal hardship tools are applied to them for satisfactory resolution
5. Conduct regular performance review with all vendors, Agency Managers & Regional Collections Manager for all critical metrics to track the portfolio health and ensure healthy process
6. Monitor field collections by bucket/vintage/region to ensure cost adherence in operations and achieve cost efficiencies
7. Ensure adherence to Compliance Policy, Collections processes and Audit requirements, Code and conduct and maintaining standards to achieve customer satisfaction
8. Ensure proper recourse mechanism is followed to resolve customer complaints in a timely and satisfactory manner
9. Ensure 100 % SVCL coverage at all vendor locations of the Zone
10. Ensure monthly cost provisions are reported to Finance team as per timelines
11. Identify upcoming markets in accordance with the Sales growth plan and evaluate setting up/expanding operations basis volumes; Raise timely red flags on sourcing quality in new markets ensuring portfolio hygiene
12. Participate strategically and tactically in development and implementation of portfolio treatments to maximize collection for the portfolio and increase resolution/extraction
13. Perform peer benchmarking to create competitive infrastructure and deliver best in class performance on key metrics such as Credit Recovery as a percentage of Principle Credit Charge offs, Gross write-off, GNPA rates, Settlement loss rates, rate of recovery

Measures of Success 

1. Portfolio Coverage
2. GNPA (Gross Non Performing Asset) Rate and Value
3. 30+ and 90+ Delinquency rate 
4. 30 to write off POF (Product of Flows)
5. GWO (Gross Write Off)
6. Cost of collection
7. Settlement waiver rate
8. Absolute Recovery
9. Settlement waiver rate 
10. Cost of collection
11. Extraction rate 
12. CAPE management
13. ROR
14. Absolute recovery/ACM
15. Regulatory Customer complaint %
16. Process adherence as per MOU

Technical Skills / Experience / Certifications

Credit Card knowledge along with good understanding of Collection Processes

Competencies critical to the role

1. Analytical Ability
2. Stakeholder Management
3. Problem Solving
4. Result Orientation
5. Process Orientation

Qualification 

Post-Graduate / Graduate in any discipline

Preferred Industry

FSI

Experience Level

Executive Level

About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto ‘Make Life Simple’ inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What’s in it for YOU

1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
3. Dynamic, Inclusive and Diverse team culture 
4. Gender Neutral Policy
5. Inclusive Health Benefits for all – Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
6. Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose 

Manage channel partners handling tele calling responsibilities for the assigned Collections portfolio.

Role Accountability 

1. Execute collection strategy for the site, track performance and give inputs to PM
2. Monitor channel partner performance through a structured review mechanism and ensure appropriate capacity planning
3. Review Portfolio both Qualitatively & Quantitatively at account/NRR/Region / Channel level in order to identify gaps/issues
4. Strategise and segment portfolio churning on dialer prioritizing at various cuts in terms of Payment due date / Occupation segment / billing cycle / Geography / CM & NM / any new product-variants to improve efficiencies and performances
5. Conduct call sampling across portfolio segments in line with the call listening framework and share observations on call and portfolio quality with concerned stakeholders 
6. Manage the uptime for all SBI Card collection systems at the vendor site to ensure uninterrupted production and coordinate with Internal stake holders to ensure business continuity in the event of downtime of vendor CRM / Dialer systems /Telecom resources
7. Identify portfolio segments for initiation of legal approaches such as- Mediation, Conciliation, Lok Adalat and arbitration in order to extract on identified accounts and attend all camps as required
8. Ensure Field-referral rates are in line with business-targets by identifying right sets of accounts for TC-retention as well as Field referral, adopting a segmented approach basis past delivery-trends
9. Analyze action codes on daily basis and propose action plan to improve performance and right identification of field referral
10. Ensure necessary training /certifications for tele calling staff in line with compliance requirements
11. Conduct spot audits to ensure adherence to regulatory and internal guidelines on data security in all collection operations at channel partner sites
12. Track performance of all agents on key performance metrics daily to identify any adverse trends either or performance or call-quality or in disciplined behavior e.g. frequent late-logins, uninformed/unplanned leaves, low TOS, non-adherence to compliance guidelines, etc. and take suitable remediation measures
13. Manage agency payouts in line with the business SLA model and ensure billing within defined timelines; Keep track of accuracy in different components of agency payouts–Actual Headcount deployed; PRI Lines, Contest, Team Engagement, etc.

Measures of Success 

1. Resolution Rate
2. Normalisation Rate
3. Roll back rate
4. KP targets
5. PLI penetration
6. Money collected
7. NFTE productivity
8. Tele Retention rate
9. NFTE training coverage
10. Customer complaints volume
11. Vendor SLA adherence
12. No adverse observations in internal/external audits
13. Process adherence as per MOU

Technical Skills / Experience / Certifications

1. Credit Card knowledge along with good understanding of Collection Processes
2. Knowledge of dialer strategies
3. Experience of managing large distributed vendor teams

Competencies critical to the role

1. Stakeholder Management
2. Result Orientation
3. Process Orientation
4. Problem Solving Skills

Qualification 

Post-Graduate/Graduate in any discipline

Preferred Industry

Credit Card

Experience Level

Mid Level

Job Description

A

  Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

Credit Manager – Branch Channel. Secured & Unsecured Lending Business

3

Grade

:

D1

4

Employment Type

:

All Employment Type

5

Reporting to – 

Designation & Grade

:

State Credit Manager – Secured & Unsecured Lending Business

6

No. of Reportees,

Designation & Grade

:

Credit Operations

7

Main Tasks & Areas of Responsibility

:

• End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing     center for  All Branches Across India.
• Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to  process credit proposals send  by Branches thru Finn One system. 
• Proactively respond to the business requirements & challenges and support  Branch     Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations.
• Review Branch  level/Area level delinquency against policy parameters , delinquencies and NPAs .
• Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven  Eco system.
• To liaison with   Gold Loan Branches and Area Managers login quality , training  and process initiative implementation. 
• To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
• Continuously work on process improvements with PAMAC and Branches .
• To effectively liaison with law authorities for resolving conflicts if any.
• To Build a Quality and Profitable Loan Portfolio.

8

Skills and Exposure

:

• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work.
• Proven ability to Work under Pressure with regard to TAT 
• Adherence to laid down credit policies and suggest improvements if any.
• Atleast 5 years experience in  underwriting role, with at least 3 years  unsecured Lending experience  in small mid ticket loans. Experience  in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable. 
• Strong understanding of appraising proposals from Lower & Middle Income MSME  Customer Segments

•  Excellent interpersonal and verbal communication skills

• Ability to Work & Deliver business targets under pressure 

• Working knowledge of Collections/ Recoveries.

• Be Accountable for Portfolio Quality of the Location.

9

Special Requirements (If any)

:

 Working knowledge of  small ticket unsecured Business loans  preferred. 

10

Job Location / State

:

 Chennai /TN. 

11

Compensation Band

:

As per policy

12

Entitlements

:

As per policy

13

Stake Holders

:

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

15

Educational Qualification / Technical Certification

:

Any UG/PG or MBA

16

Skill Sets

:

Unsecured Lending Credit experience.

17

Communication Skills

:

Good oral, written and presentation skills

18

Experience

:

5+ years of overall experience 

19

Behavioral Competencies

:

Uncompromising ethical standards and discipline expected

20

Other Requirements (If any)

:

–

We are seeking a qualified and experienced Credit Manager to lead a team of credit professionals in underwriting and managing proposals for Working Capital Finance, including both fund and non-fund based products. The role involves evaluating customer proposals, structuring deals, and ensuring high-quality credit decisions within defined turnaround times. The ideal candidate will have strong analytical skills, a deep understanding of financials and property-related aspects, and the ability to maintain portfolio quality. The role also includes mentoring team members, coordinating with cross-functional departments, and implementing policies effectively at the ground level.

Manage a team of Credit Managers and oversee underwriting activities. Underwrite and prepare proposals for Working Capital Finance (fund and non-fund based). Ensure high-quality underwriting and support branch business targets through training. Conduct customer visits for personal discussions and deal structuring. Monitor portfolio quality through regular review of monitoring reports. Evaluate proposals for Home Loans and Loan Against Property. Make credit decisions within defined turnaround times (TAT). Understand property-related aspects such as legal title and market value. Coordinate with sales, operations, legal, technical, and customer service teams. Implement head office and local credit policies at the ground level. Mentor CPAs and monitor their productivity and output quality.

Experience Level

Mid Level