Regional Credit Manager, Rural Credit

About the role

RC - Regional Credit Manager - B2C - Rural Credit INTERNAL USAGE: No. of Vacancies: Reports to: Zonal Credit Manager Is a Team leader? Y Team Size: 10 to 20 Grade: Business: Corporate Center Department: � Retail Credit Sub - Department: Rural Credit Location: About Rural Credit Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group. About the Role The Regional Credit Manager manages the credit activities and processes of the Rural Credit vertical for the designated Region. The Regional Credit Manager is responsible for smooth functioning of the Credit appraisal activities and ensures adherence to the processes designed by the bank Key Responsibilities � Underwriting of Farmer Funding Loans within the framework of the Policy Parameters. � Review of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process � Managing the Team and ensuring adherence to defined Turn Around Time & Audit compliances � Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. � Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions � Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives Qualifications Desired � Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute. Role Proficiencies: � Knowledge of credit, preferably Farmer Funding industry and product trends � Knowledge of regulatory guidelines and norms � Good communication (both verbal and written) skill in both English and the local language Refer to the Job Description

What you’ll do

• Underwrite farmer funding loans adhering to policy parameters
• Review credit proposals and provide quick insights as sanctioning authority
• Manage team to meet turnaround times and audit compliance
• Ensure quality of proposals to minimize delinquency and build quality portfolio
• Gather market intelligence to inform credit decisions
• Coordinate with internal functions to align with organizational objectives

What you’ll bring

• 10-13 years experience in credit management
• Knowledge of farmer funding industry and product trends
• Understanding of regulatory guidelines and norms
• Strong communication skills in English and local language
• MBA or CA preferred
• Experience managing a team of 10-20 members
• Ability to gather market intelligence and assess risk
• Proficiency in credit appraisal processes

Skills

Education

Bachelor's