Manager, Quality & Control recruitment

Operating Budget:

Responsible as a recommending officer for any expenditure related to Quality Control Unit.

Financial Targets

No direct personal financial targets, but is responsible for preserving the division profitability by monitoring and reporting expenses, NPLs, refunds, and likes.

-Quantifiable. 

• Volume and number of NPLs

• Number and aging of over-dues

• Number of expired limits

• Limit Extensions

• Limit Renewals

• Process operational efficiency

• Risk rating and account grading

• Accuracy of account flagging

• Verification of TOD/excess overdraft

• Accuracy in reporting overall portfolio performance

• Level of compliance to delegated lending authority

• Timely reporting of facilities review

 Non Quantifiable.

•   High standards of customer service

• Successful leadership and team support

• Adherence to management best practices

• Attitude, personal development and adherence to bank’s policies and standards    

Key Results

Financial Responsibilities

-Risk Management

-Timely verification of the conformity of terms and conditions with the approval terms.

-Issue reminders of expired limits to concerned teams in advance and escalate no-action situation to management as per the agreed timelines.

-Monitor and follow-up on securities/deposits that have maturity dates

-Escalate the need for limited period extension to allow review/ renewal of pending facilities.

-Monitor, follow-up and escalate on Temporary overdrafts / excess over approved limits

-Monitor delinquencies and write-offs to ensure account performance is in-line with Business Banking goals. Identify areas of concern and recommend actions for improvement.

-DP monitoring and escalation in coordination with Client Relations Team Leaders for facilities against shares.

-Monitor and report NPLs. Liaise with Client Relations, Support Division, Collection Units for proper actions.

-Monitor and report OLEMs. Liaise with Client Relations, Support Division, Collection, and LSAMD Units for proper actions.

-Monitor and report delegated lending authority usage.

Customer Service Service Level

• Adhere to customer service standards set by management

• Recognize and escalate early warning signals of unsatisfactory account conduct.

Profitability Expense Control

-Coordinate with LSAM manager over provisions

Customer / Market Responsibilities

Ensure customer-centric operations and high service

standards at all times

Take personal responsibility to provide assistance in customers’ complex issues as requested by Client Relations teams

Market trends/ Competitor Review

• Maintain a thorough familiarity with other banks’ products, services and pricing to recommend better customer offerings

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Operations and Process Responsibilities

-Activities / Operations

• Follow up Risk Rating modifications as per credit policy for overdues/ OLEMs/ Non-Performing Portfolio.

• Complete special projects as assigned within allotted time.

• Maintaining well-documented files for portfolio reviews.

• Review exception reports on daily basis and escalate items that were not resolved within the allotted time frame.

• Verify requests for upgrading / downgrading of accounts

-Compliance

• Monitor report compliance to delegated lending authority.

• Monitor and report compliance of business units and teams with BANK’s credit policies and procedures.

• Adhere and comply with BANK’s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.

• Facilitate work of the Credit Review/internal audit/Central bank examination /Statutory Audit to address gaps, and Co-ordinate with the Business Process / Client Relations to enable them to respond to the audit reports within the agreed deadlines.

• Provide credit information to senior management via reporting.