Job Title

We are excited to share an opening with L&T Finance for Regional Credit Manager for HL for the Kolkata location. L&T Finance is a leading upper layer Non-Banking Financial Company in India, offering lending options and catering to diverse financing needs of both urban and rural segments 1. JOB PURPOSE Responsible for Credit Decisioning for Mortgage proposals (Home Loan and Loan Against Property) and ensuring quality of portfolio at Regional level. 1. PRINCIPAL ACCOUNTABILITIES  Team Management of Credit Managers/Area Credit managers located at various branches in the Region, overseeing their performance, providing guidance and ensuring alignment.  Credit decisioning is done in line with defined credit policy guidelines and credit delegation  Co-ordination with other stakeholders – Business, Credit, Ops, Product, RCU etc. to constants refine underwriting processes  Team is trained on credit policy and applying appropriate checks on the proposals  Team delivers in line with the defined productivity and TAT  Compliance with all SOPs at the Regional level  Impart Training to Sales Channel partners and other functions on Policy and process  Visiting Customers for Personal Discussion as per approval matrix  Vendor (Legal and FI) management at the regional level, Co-ordination with them to identify the risk/frauds prevailing in locations and take measures to mitigate the same.  Quality of Credit approval note and the Credit approval mails for the Region to be maintained  Quality of portfolio is maintained at regional level  Implementation of Early warning Mechanism at the regional level  No Non-Starter in the portfolio at regional level  Monthly governance review of regional portfolio along with Senior Management  Team is motivated and overall attrition is kept at minimum.  Drive new initiatives and project for developing quality business  All MIS submission for the region is done on timely basis with 100% accuracy  Drive the new project initiatives for Mortgage Business  To be updated on the development in the industries and the locations. To be regularly engaged with other financiers in the market for their best practices. 2. SKILLS AND KNOWLEDGE Educational Qualifications CA / MBA - Finance Functional Skills Financial Skills to Underwrite the proposal Knowledge of Legal practices and documentation specific to market Location specific knowledge of Geo limits, Profiles, Fraud Triggers, Business practices, technical evaluations Team player, Self-Driven, Good communication and Convincing skills, Expert knowledge of Risk Management & Credit, Process Oriented and Time Management, Good leadership skills Relevant and total years of Experience 10-12 years of Experience in an underwriting team of a top tier bank/ NBFC/ fintech’s in India