Roles and Responsibilities Improves business & profitability through increase in market share of affordable mortgage, deeper geography penetration and effective channel & product mix Creates and nurtures channel partners Ensures effective credit appraisal process and underwriting quality keeping in mind the customer & organizational needs and identifying any probabilities of delinquencies Meets the customer needs with agility and speed by ensuring smooth process from onboarding to disbursement Maintain optimal portfolio health by ensuring that lend to collect culture is followed up to the last mile Manages end to end collection cycle management from Bucket X, NPA and up to legal actions Strong focus on post onboarding services, customer retention and audit management Ensures legal and technical norms are met as per guidelines Leads and guides team for ensuring optimum performance through effective orientation, training methods and adoption of digital platforms Works closely with marketing team for vicinity sourcing through ATL, BTL, digital channels and launch of innovative marketing activities for deeper penetration in markets Acts as an authorized officer for initiating legal actions under Sarfaesi 2