RC - Cards Credit Officer - NPC INTERNAL USAGE: No. of Vacancies: Reports to:Manager Is a Team leader?NTeam Size:NA Grade:AM/DM/M Business:UnderwritingDepartment:�Retail CreditSub-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 Cards Credit underwriting officer manages core underwriting for credit card, Underwriting will be for different channels like affluent , retail , partnership , secured products etc . 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. � Turn around 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 Qualifications Optimal qualification for success on the job is: � Graduate / Post- Graduation (MBA/ CA preferred) � Fresher or Experience in retail credit Role Proficiencies: For successful execution of the job, the candidate should possess: � Knowledge of credit, industry and product trends � Knowledge of regulatory guidelines and norms � Good communication (both verbal and written) skill in both English and the local language