Regional Credit Manager - Secured Business Loans (Micro LAP) - Anantapur - M & M Arcade - MM

About the role

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers.

What you'll do

• Manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products
• Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy
• Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment
• Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms…
• Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers

What you need

• Credit appraisal
• Underwriting
• Sales
• Compliance
• Audit
• Any graduate