Associate Vice President Underwriting

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• Ensures that Card and Loan (Personal Loan and Mortgages) applications are assessed and underwritten consistently, objectively, with uniform application of policy, procedure and guidelines, all of this within turned around within the stipulated Service Level Agreements
• Responsible to ascertain the credit worthiness of individual retail customer with complete financial and cash flow analysis for unsecured lending applications
• Maintain the SLA’s for processing applications and help in structuring loans within the banks approved policy guidelines.
• Recommend policy and product changes to the concerned stakeholders for bringing new developments in the existing guidelines

Customers / Stakeholders

·Provide regular feedback to the stake holder (Policy / Sales/ Operations) so as to improve the overall process efficiency.

·Promotes collaboration between onshore, offshore team and business partners to deliver results aligned with business partner’s expectation

·Provide inputs for review of Credit policy to acquisition team such that the same are in line with shifting trends in the Retail Assets industry.

Operational Effectiveness & Control

·Monitor the implementation of the Credit Policy for Unsecured Lending.

·Ensure that the credit and the risk function for the loans is compliant with the recommendations made by audit.

·Improve processes to achieve consistency in decisioning process.

·Manage and review proposals that are in exception to policy.

•     ·Process improvement.