Job Description

Role/ Job Title:

Credit Manager- Commercial Vehicle



Function/ Department



: Retail Underwriting



Job Purpose:

The role bearer has the responsibility to coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.



Roles & Responsibilities:

Preparation of Credit Proposal Note and Credit Recommendation.



Managing and following up for credit & business commitments to ensure that they are consistent with the bank's business needs and objectives.



Determining the key credit risks and mitigating factors while evaluating the proposal.



Conduct detailed analysis of existing business portfolio and recommend changes to contribute to development of business.



Ensure implementation of the policies to ensure high quality of the retail portfolio.



Employ tools such as automation and digitization to increase process efficiency.



Ensure the successful adoption of internal compliances & regulatory framework across the business.



Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation.



Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the collections team in order to take corrective action through new sourcing.



Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank's credit policy.



Education Qualification:

Graduation: Any



Post-graduation



:



Any



Experience



: 2+ years of relevant experience.