• Manage over all Credit Underwriting process for the respective State or Multiple States . • Portfolio Management , Quality Review on periodical basis. • Maintain expected service TAT . • Initiate Training Program on Programs, underwriting skills , customer level. analysis • Co ordination with Collection and Sales Team for Delinquency Management . • Co ordination with Central Ops team and internal audit team to ensure process, policy adherence is implemented and audit observations are rectifies and complied. • Ensure effective utilization of System reports for various analysis pertaining to product, credit parameters. • Manager third Party Vendors , verification agencies for various types of verification.