Branch Credit Manager

1. Desired ResultsPart A - 70% High PerformanceSNO.OBJECTIVEWHY IS IT IMPORTANTWEIGHTAGEKEY PERFORMANCE INDICATOR1To diligently appraise loan applications in line with credit policy of the organization - UCVTo build a good quality portfolio at the branch.35%ED as per treshold levels2To diligently appraise loan applications in line with credit policy of the organization - New CVTo build a good quality portfolio at the branch.35%3Support the sales team in achieving their objectives.To contribute to the overall performance of the branch by being an effective team player30%Sales Objectives Vs Actuals (Annexure - 2)Part B - 30% Honest Actions1Ensure that file is complete in all aspects before the loan is disbursed as per FTRTo ensure that all relevant documents of the customer are available in the records25%FTR - Process2File completion as per policy and strict adherenceFile Quality35%Score based on quality of physical files received at HO (Annexure 3)3Early defaut cases in the first 6,9,12 months
Cheque Bounce cases
NON-Starters / First EMI default casesPortfolio Quality35%ED% as per treshold levels4Completion of PDD on time for the loans disbursedOn time PDD completion will reduce risk and help build the quality of portfolio30%% of On time PDD completion (Annexure - 4)