Job Description

:RC & WC - Underwriting:Zonal Credit Manager \xef\xbf\xbd SC & WC Finance SBB Credit
INTERNAL USAGE:
No. of Vacancies: Reports to: National Credit Manager \xef\xbf\xbd SC & WC Finance - SBB
Is a Team leader? Y Team Size: 10 to 12
Grade: AVP/VP
Business: Corporate Center Department:\xef\xbf\xbd Retail Credit Sub-Department: SBB Credit
Location:
About Wholesale Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele 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 Zonal Credit Manager \xef\xbf\xbdSC & WC Finance - SBB Credit manages the credit activities and processes for loan applications of Automobile / Wheels segment customers under Retail Credit for the Area assigned to him/her. The Zonal Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank.
Key Responsibilities\xef\xbf\xbd Manage a team of 10 to 12 ACMs & Credit Analysts \xef\xbf\xbd SC & WC Finance - SBB\xef\xbf\xbd Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time & Approval Ratio as defined by the Bank\xef\xbf\xbd Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency\xef\xbf\xbd Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.\xef\xbf\xbd Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio\xef\xbf\xbd Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions\xef\xbf\xbd Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives\xef\xbf\xbd Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme, compliance related matters, PSL classification etc\xef\xbf\xbd Give timely feedback to CO team of policy, ZCM, NCM & Head Credit on market developments, suggestions on improvement on Products, Policy and processes etc\xef\xbf\xbd Ensuring vendor management consisting of panel valuers, advocates, PD agencies etc\xef\xbf\xbd Ensuring periodic training to all stakeholders on products, policies and processes etc
QualificationsOptimal qualification for success on the job is:\xef\xbf\xbd Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute\xef\xbf\xbd Experience of over 8 to 12 years in assessing funding of various products to MSME segment focusing on Wheels / Automobile Segment
Role Proficiencies:For successful execution of the job, the candidate should possess:\xef\xbf\xbd Knowledge of credit, relevant 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 language\xef\xbf\xbd Ability to handle pressure and meet deadlinesSkills: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