Key Objective of the Job: To drive Rural Individual Loan business underwriting and creating quality portfolio. Major Deliverables: • 1. Managing a team of Branch credit managers, Credit Executives. • 2. Conduct personal discussion with customers to establish Credit worthiness. • 3. Pre and post sanction credit risk compliance. • 4. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio. • 5. Control on portfolio performance. • 6. Underwrite Individual loan and prepare Credit Appraisal Memo (CAM). • 7. Coordinate with sales to achieve targets and ensure TAT. • 8. Support and train the team of Credit Manager/officers • 9. Responsible for manpower • 10. Knowledge understanding of local market. • 11. Work closely with regional Credit Manager • 12. Coordinate with internal teams like ICQ, Operational and sales. Qualification : Graduate in any discipline.