RC - Credit Officer - AL � NPC INTERNAL USAGE: No. of Vacancies: Reports to:Manager Is a Team leader?NTeam Size:NA Grade:AM/DM 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 Credit Officer - AL manages core underwriting for Auto loan, Underwriting will be for different channels like DSA dealer, Branch, Digital. 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. • Turnaround 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