Credit Manager

Job description / Role

Role purpose:

Manage credit offered to customers; oversee the entire lending process, including the initial application, the underwriting, the disbursal or denial of the request, and after sale.

Key accountabilities of the role

Financial goal:

• Accurate decision of finance applications toward achieving maximum 2.5% error rate as measured by the daily report and scorecard. Error is defined as violation to policy and parameters or inaccurate analysis.
• Underwrite minimum 70 applications as average daily target as set by management and reflected in the scorecard and measured against the actual number of cases processed in the daily report.

Customer goals:

• Handle all internal and external customers' complaints positively and promptly as measured against number of complaints and timely resolution.
• Follow HR guidelines and ethics code obedience, e.g. confidentiality, attendance, dressing code, Sharia morals, etc.
• Lead the assigned team to process 100% of all finance applications proposed in FinnOne within the same day as measured against SLA and daily report.

People goals:

• Demonstrate leadership skills by leading the assigned team toward achieving goals set by management in terms of meeting performance targets and error rates as measured by the scorecard.
• Set regular training to the assigned team on policy and conduct annual self-assessment quiz.
• Conduct at least three formal training programs and ensure a monthly evaluation for all staff with score and rating signed by staff.

Governance & controls goals:

• Provide quarterly feedback to policies and procedures on market trends and contribute toward revising criteria and parameters as and when required.
• Provide minimum four valuable suggestions to improve work process.

Results required:

• Support business in achieving monthly budget and targets while maintaining highest quality portfolio.
• Provide additional support to business in capturing customers within the acceptable parameters without violating central bank regulations.
• Contribute positively in the daily underwriting activities.
• Improve communication with branches and DSUs as internal customers.
• Provide constructive comments and feedback on proposed finance applications.
• Compliance of policies and procedures - comply and perform key operational controls as required in policies and procedures in day-to-day operations.

Specialist skills and technical knowledge required for this role:

Leadership, excellent knowledge of products, decision making, managing and planning.