Area Credit Manager Vehicle Loans Patna, Guwahati, Chandigarh, Lucknow, Delhi, Kolkata
Job Description
Credit Assessment
\xef\x82\xb7 Appraise/Underwrite the loans within defined policy guidelines and accordingly take decisions or
recommend to appropriate authority.
\xef\x82\xb7 Assess the income, ability, intention and credit behaviour of the applicant and verify documents and
reference checks, bureau checks, along with the customer due diligence
\xef\x82\xb7 Understanding the nature of business of the applicant(s), assessing the risk associated and
ascertaining the revenue stream
\xef\x82\xb7 Evaluate all the credit risk parameters and implement measures to mitigate the same
\xef\x82\xb7 Prepare the credit approval memo and manage the overall TAT and approval rate.
Credit Monitoring
\xef\x82\xb7 Ensure strict adherence to the laid down policy and process
\xef\x82\xb7 Ensure portfolio quality and periodic structured reviews of the portfolio
\xef\x82\xb7 Periodic monitoring of Exception approvals/Reject analysis and inference.
\xef\x82\xb7 Stakeholder Management \xe2\x80\x93 Business /Risk/Accounts/Collections
\xef\x82\xb7 Ensure Credit Quality and maintain the Credit Cost under control
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Job Detail
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Job IdJD3311929
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationIndia, India
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EducationNot mentioned
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ExperienceYear