Business: Credit Function/ Department: Retail Underwriting Roles & Responsibilities '-Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honour the agreed SLAs and manage area business volumes Supervise a team of credit underwriters and provide guidelines '-Conduct personal discussion with customers to establish credit worthiness '-Control and contain front-end delinquencies by calling up customer on first presentation '-Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits '-Coordinate with sales to achieve targets and ensure SLAs are met '-Ensuring credit policy adherence to the accepted standards 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. Secondary Responsibilities '- Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. '-Recommend process changes in order to improve service efficiency and quality across the assigned area '-Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service Managerial & Leadership Responsibilities '- Monitor key parameters on productivity, hiring quality and attrition rates and make necessary improvements Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight Attract and retain best-in-class talent for key roles in their reporting structure Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business Partner with Policies team to ensure all decisions are taken within the prescribed framework Key Success Metrics Portfolio Quality (Delinquency Rations, Net Credit Losses, Bounce rates) TAT, cost of processing and manpower, credit appraisal, productivity, people management (attrition)