Area Credit Head-Lucknow

Job description

- Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated **Key Result Areas (** **Max 1325 Characters)** Supporting Actions ( Max 1325 Characters) Portfolio Management - Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate. - Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables Business & Financial Management - Calibrate the capacity plan in line with business needs - Identify and act upon various risk arising out of credit/process activities - Risk mitigation- bureau/rating agencies/collection reports to be reviewed - Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices - Track and react to external influence on portfolio Bureau/rating agencies Customer Focus - Take decisions which are aligned to the management directive keeping customer in mind - Bring in the efficiency in the system by enabling decisions being taken within defined timelines - Understand the Prime LAP business in smaller towns say tier 3 – 4 markets People/Team Management - Effective training and timely communication of policy & underwriting standard - Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review - Interaction with business and allied teams to incorporate changes Strong interpersonal skills to manage team size of 10+ risk managers Capable to mentor 3 - 4 middle layer Managers towards progressive career path Productivity Management & Improvement - Productivity and its management is the key deliverable - Quality is measured by no of files managed on monthly basis - Initiatives for improving the productivity at every level is also one of the key deliverables