National Manager - Credit Operations

Job Description

* Duties and Responsibilities - PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Project and Initiatives: Driving the QC process of Two Wheeler business for cases submitted to Ops by sales Ensuring timely completion of the QC process with desired quality Tracking the document movement from Sales to Branch Ops to Back-office Coordinating with the back office team to ensure the documents are delivered at the out-sourced partner for further processing and storage Engaging & Liaison with various teams such as Banking Back office service PMO etc. to provide resolution of the issues / escalations raised by branches Monthly Deck Preparation Follow up with internal stakeholders such as IT/PMO for AOP project delivery System enhancement Communication / new process download to branches Monthly Deck Preparation Responsible to deliver key functional and organizational projects Provide guidances to the team to improve quality of QC file processing Responsible to identify productivity enhancement opportunities by analysing various processes. Ensure adequate training and devlopement activities for the team. Monitoring and Tracking: Tracking MIS on Quality of file processed issued reported and follow up to ensure high standards are achieved and maintained. Formally assesses branch management during visits on both functional and location control parameters. Ensuring focus on each branch to ensure all branch targets are met Maintaining manpower count as per guidelines and alerts regional managers in case of abnormal counts Forecasts manpower requirements and recommends hiring or downsizing accordingly. Monitoring compliance and audit reports to ensure closure and implementation of preventive measures. Ensuring policy and process adherence for all products and services. Tracking the document movement from Sales to Branch Ops to Back-office Publishing & Tracking of multiple MIS on set frequency and for better control over each activity Branch Support: Drives smooth working together across Functions at the Branch level Maintaining file processing TAT and reviews status by end of each day Allocating work to the teams the next day to minimize files being processed outside the committed TAT. Daily tracking of the loan approval rate and downsizing Identifying indicators into customer profiles for credit risks and sharing the same identified risk patterns within the team and with Sales. Risk assessment to meet specified threshold of delinquency matrix Ensuring quick resolution of customer queries and issues Monitoring rejections and ensuring they are justified Trouble shooting issues arising while processing cases at the branch level & Escalates unresolved change management issues Taking teams and own ideas and suggesting improvements in the current process. Providing regular feedback to Regional Managers on credit process/policies/local markets on regular basis * Duties and Responsibilities - Clarifies to Sales and Operations the changes in policies and processes - helps resolve issues Working closely with the hiring team for ensuring closure on hiring. Working closely with other cross functional teams for required support and escalations. Co Ordinating with branches to ensure proper implementation of policies and train them on new processes People Management: Tracks performance of team members and provides them developmental feedback Ensures development planning of all direct employees Tracks and persuades for implementation of development plans Attrition management and effective utilization of resources Ensuring timely download to the entire team of new process changes/policies/new products MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Should possess the below skill sets: -Team Management Skills - Relationship Management skills - Excellent Communication & Interpersonal Skills - Negotiation Skills & influencing skills - Analytical & Problem Solving skills Communication to employees on frequent policy changes Manage change between the employees and team on dynamic process and policy changes Cross functional dependencies leading to delay in projects 5. DECISIONS (Key decisions taken by job holder at his/her end) Solutioning on Project and process pertaining to new product development Ensuring approval matrix is followed , * SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications Graduate Degree, Work Experience 12 years experience in lending business with 3+ years in Branch Operations Hands-on expertise on SFDC/FinnOne/CRM Applicant should be well versed with MS Excel & PowerPoint knowledge Collaborative work style to engage with peers & colleagues in other functions across the company Exceptionally high motivational levels and a self-starter. Should possess the below skill sets: -Team Management Skills, - Relationship Management skills, - Excellent Communication & Interpersonal Skills,- Negotiation Skills & influencing skills, - Analytical & Problem Solving skills

Keyskills :
risk assessmentproblem solvingchange managementproject deliverybusiness developmentback officefile processingaudit reportsnew product developmentmarketingsalescustomer relationsaccounts