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Managerial Responsibilities: To help manage the branch with help of Branch Manager Enforcement and adherence of the company credit process and policy in the Branches for Secured and hypothecated loans Approval of Secured and hypothecated loans as per policy Functional Responsibilities Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch manager Hand holding of branches in initial stages for better understanding of processes including customer assessment, cash flow, CPV etc Interacting with Branch Managers and Cluster Business Manager from risk and loss control perspective. Experience:- 4-5 years total experience in credit function with 2-3 years or more relevant experience in credit approval in consumer finance (LAP/Personal loan/Mortgage/Auto/2W/Consumer Durable) in NBFC/Banks Functional Competencies:- Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch CROs Training: Training branch CROs regularly on credit policy and improvement areas.