Job Description:
Department Retail Credit
Grade Deputy Manager/ Manager
Location Mumbai
Reporting To Business Analyst – Retail Credit
A. Position Purpose
This role is primarily responsible for understanding the credit work-flows and eligibility norms for retail
asset businesses, these into business requirements for LOSs or BREs and communicating the same
to process, analytics, IT Teams or vendors as may be necessary, tracking for implementation within
time-lines, testing changes with support from local teams and rolling out developments to respective
teams
B. Position Responsibilities
Sr. Key Responsibilities
1 Business Requirement Gathering for Credit Related Processes, Communications with IT Team
during developments, Testing, Implementation and Roll-out of New LOS systems for all Retail
Asset Businesses
2 ? Understanding gaps in current digital work-flows/ opportunities for improvements as per
industry best practices, identifying fastest resolution for the same and communicating same to
relevant teams for execution
3
Manage trainings and field communications for all Credit related digital initiatives and systems
to all relevant teams
4 Identify process gaps, plan and implement key projects to improve quality, reduce cost,
increase productivity and improve cycle time by reducing wastage and rework, etc., resulting
in significant business improvement and customer satisfaction
5 Periodically review existing processes and present necessary changes and digitally implement
the same.
6 Work on ways to drastically reduce Credit and overall TAT across all products and strive to
have STP Journeys for all Retail Asset Products
7 Coordination with Training Team to create training modules for new digital systems and
processes and updating it on a regular basis basis changes and improvements made to the
relevant system
C. Qualifications and Experience Requirement
Qualifications
Essential Graduate
Experience
Essential 6-8 years’ experience in assets department of any NBFC / Bank. Credit
Underwriting Experience is a plus
D. Competency Requirements
a. Technical Skills
Skill Attribute
BRD Generation Should have good understanding and experience in creation business
requirement documents
Underwriting Underwriting experience or know-how to have a clear understanding of
basic work flows and processes in customer credit assessment chain
LOS Understanding Experience in handling LOS support and implementation
b. Behavioural Skills
Skill Attribute
Inter-personal skills High level of communication skills - written and spoken
Stakeholder management Relationship Management skills both inside and outside the bank
Enterprising Self-motivated and Goal oriented.
