Zonal Credit Manager - Direct - HL & LAP (South)

About Credit Saison

Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

More about us on https://www.creditsaison.in
Job Description
- Credit underwriting of Loan Against property segment as per defined risk philosophy and credit policy of the company
- Lead the team of area credit managers/ credit managers and guide them to adhere to the policy and process requirements
- Ensure Audit and regulatory compliance and provide clarification and justification for resolution of audit observations
-Implement good practices and share early warning trends with teams
- Collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products
- Collaborate with the data analytics and policy team to proactively contribute towards real time calibration of credit policies
- Decisioning of transactions within agreed TAT for salaried and self employed profiles
- Recommend changes in our credit policies and processes basis portfolio analysis and its movement.
- Promoting the culture of teamwork within the team, ensure upgrading the skills of credit managers with credit, market and industry intelligence
- Monitoring and analysis of the portfolio on regular basis
- Ensure compliance to vendor management requirement like vendor empanelment, invoice processing and review of vendors as per company policy
- PDD tracking, monitoring and compliances
- Collections of bounced EMI and support to collections team for higher bucket cases
- Location visits and training to branch credit teams on credit policy acceptance criteria
- Location specific policy recommendation
- Ensure disbursement by the branches as per Ops checklist for all approved cases and help branches achieve business targets