Hiring! HINDUJA HOUSING FINANCE

Job Description:

Job Title/Grade: Cluster Manager – Credit.

Department: Credit.

Age group: 22-33 Years.

Reporting To: Regional Manager – Credit.

Team Size: NA

Location:

Region-Location

Andhra Pradesh-Kakinada

Telangana-Gajwel

Andhra Pradesh-Khammam

Telangana-Nalgonda

Telangana-Siddipet

Telangana-Jagithiyal

Telangana-Suryapet

Andhra Pradesh-Ongole

Andhra Pradesh-Markapuram

Telangana-Sangareddy

Andhra Pradesh-Srikakulam

Andhra Pradesh-Tirupati

Telangana-Mahaboobnagar

Andhra Pradesh-Palakollu.

CTC: 4.00-8.00 Lakhs.

General Job Responsibility :

• Managing Credit and Operations for Home Loans of the Region.

• Credit appraisal as per policies, procedures, and credit underwriting guideline.

• Maintenance of TAT, Compliance, policies and procedures.

Principal Accountabilities :

Strategic ,

• Customer Application Screening, KYC and Income documents as collected by SO for login.

• Initiate legal, valuation, CIBIL and other verification reports

• Interpretation of Credit Bureau Report

• Analysis of Bank Statements and other relevant documents for income assessment.

• Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes

Tactical ,

• Co-ordinate with SO for post approval activities like Loan documentation check, Sanction conditions adherence, PDC and NACH forms accuracy and send the file to HO for disbursements.

• Responsible for tracking and collecting all Post Disbursed Documents including Loan Closure letters on takeover, Collecting Sale Deeds for new purchases and sending to HO.

• Responsible for PDC/NACH replenishment to ensure regular repayment of EMI.

Supervisory,

• Ensuring operations are running in a streamlined fashion leading to best customer experience and enabling a motivating environment for staff across the network of Dialysis Units.

• Leading the Centre Managers / Centre staff and guiding them toachieve operational excellence for their cluster of centre’s, counselling them, coaching them and ensuring they do their job well.

• Identifying targets and reviewing & evaluating performance, identifying & addressing deviations & its relevant causes.

• Ensuring adherence to quality standards in the unit operations.

• Implementing the Performance Appraisal Plan for the staff, Finalization of KRAs, Evaluating & providing feedback.

• Enabling the employee’s development by specifying their jobcompetencies & through training.

• To optimize expenditure by cutting costs and enhance profit margins.

Person Profile :

Educational Qualification : Graduates and CA or MBA/PGDM – Finance.

Experience : • 1-5 yrs experience in Credit Operations and Credit underwriting.

• Preference will be given to Banking & NBFC industry candidates.

Specific Skills :

• A High Level of Professionalism.

• A Passion for Building and Growing Relationships

• Ability to Gather Feedback and Provide Innovative Insight

• Leadership & People management- Influencing people, Team work,

• Employee development, openness and transparency. • Good knowledge of administration.

• Total Quality Management & Process Improvement.

• Interpersonal Relations- Team work, Effective communication, Positive & Empathetic attitude, Presentability

• Personal Effectiveness- Excellent written and oral communication, Positive and Empathetic Outlook, Initiative and Commitment

• Work Ethics- Ensuring Process and Protocols are maintained, Focus on Learning and continuous improvement, Achievement Orientation.