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Credit Policy & Underwriting Framework:
– Policy Design & Revision: Design, review, and update credit underwriting policies, risk grading matrices, and product programs at a national level.
– Standardization: Ensure consistent credit appraisal, risk assessment, and decision-making standards across all regional branches and zones.
– Discretionary Authority: Review and approve high-value or complex credit proposals within delegated lending powers and escalate exceptions appropriately.
Portfolio Quality & Risk Management:
– NPA & Delinquency Control: Monitor national portfolio health, track Non-Performing Assets (NPAs), and keep net credit losses and write-offs within budgeted thresholds.
– Early Warning Signals (EWS): Implement and track EWS frameworks to identify stressed accounts, high-risk exposures, and emerging portfolio trends early.
– Fraud Prevention: Oversee checks for document manipulation, valuation discrepancies, and adverse field investigations.
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