Job Description

:RC - Credit Officer - PL - NPC
INTERNAL USAGE:
No. of Vacancies: Reports to: Manager
Is a Team leader? N Team Size: NA
Grade: AM/DM
Business: Underwriting Department:\xef\xbf\xbd Retail Credit Sub-Department: Centralized underwriting
Location: Mumbai/Noida/Hyderabad/Bangalore/Chennai
About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes
About the Role
The - Credit Officer \xef\xbf\xbd PL manages core underwriting for Personal loan, Underwriting will be for various different channels.
Key Responsibilities

• Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
• Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products as confirmed.
• Early Warning Signal- Location wise FPD for term Loans - Location-wise FPD % for Business Loan as confirmed.
• Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
• 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.
• Stakeholder management

QualificationsOptimal qualification for success on the job is:\xef\xbf\xbd Graduate / Post- Graduation (MBA/ CA preferred)\xef\xbf\xbd Fresher or Experience in retail credit
Role Proficiencies:For successful execution of the job, the candidate should possess:\xef\xbf\xbd Knowledge of credit, industry and product trends\xef\xbf\xbd Knowledge of regulatory guidelines and norms\xef\xbf\xbd Good communication (both verbal and written) skill in both English and the local languageSkills:Refer to the About Company:Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses

Axis Bank