Credit Manager-Credit Cards

• Conduct detailed analysis of existing business portfolio and recommend changes to contribute to development of business

• Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT

• Employ tools such as automation and digitization to increase process efficiency

• Ensure the successful adoption of internal compliances & regulatory framework across the business

• Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation

• Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing

• Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy

IDFC FIRST Bank