| Position title : | Area Credit Manager |
| Function : | Risk Management |
| Grade : | Manager-II/ Sr. Manager – I |
| Location : | Noida |
| Qualification: | CA / Post Graduate in Finance |
| Experience: | 4 – 8 years |
| Responsibility: | - Oversee the under writing of the loans in the Hub region.
- Evolve underwriting norms customized to the local market needs and update the U/W bulletins.
- Work closely with the S & D team & support on offering innovative product offerings.
- Liaison with the Underwriting Head at the HO and creates templates.
- Review the underwriting process at Hub level.
- Decision on IHLs cases based on PNB Housing policies, processes and merits of the case.
- Approve projects in the hub region.
- Forward request beyond the statutory limit to the HO.
- Work closely with the CGM risk on builder financing approval related issues.
- Manage external agents involved in the verification process.
- Co-ordinate with the recoveries team and generate business insights.
- Responsible for technical evaluation of properties in the hub region.
- Formulate technical evaluation processes and policies in the hub region.
- Manage the technical evaluation process across the organization.
- Manage the legal evaluation process in the Hub region.
- Responsible for fraud management and risk mitigation activities
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| Competencies: | - High energy professional.
- Technical & functional expertise.
- Strong analytical skills and rich experience conceptualising financial strategy.
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