Area Credit Manager–Vehicle Loans Patna, Guwahati, Chandigarh, Lucknow, Delhi, Kolkata

Job Description:

Credit Assessment
 Appraise/Underwrite the loans within defined policy guidelines and accordingly take decisions or
recommend to appropriate authority.
 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
 Understanding the nature of business of the applicant(s), assessing the risk associated and
ascertaining the revenue stream
 Evaluate all the credit risk parameters and implement measures to mitigate the same
 Prepare the credit approval memo and manage the overall TAT and approval rate.
Credit Monitoring
 Ensure strict adherence to the laid down policy and process
 Ensure portfolio quality and periodic structured reviews of the portfolio
 Periodic monitoring of Exception approvals/Reject analysis and inference.
 Stakeholder Management – Business /Risk/Accounts/Collections
 Ensure Credit Quality and maintain the Credit Cost under control