Area Credit Manager -Auto Loans

Role & responsibilities ;

• Responsible for underwriting credit appraisal, Disbursement of Auto loan proposals.

• Monitoring / tracking & escalation of adverse new events in the portfolio of the assigned Area. • Credit Appraisal and Sanctioning of auto loan proposals.

• Handling a Team of Credit Managers and monitoring business.

• Analysis and resolution of delinquency and working closely with Sales team.
• Analyzing Higher Value cases and processing it for approvals.
• Personal discussion, monthly market visits to various financiers, dealers etc.
• Analysis - quantitative and qualitative of requests for loans and lines of credit. • Keeping tap on each branchs delinquency / PDD level, ensuring / taking corrective action prior
to its reaching its bench mark.

• Responsible for Audit and Regulatory compliance for the assigned Area.

• Effectively assessing credit risk and (current and potential) client viability.

• Training and coordinating with the Team for timely effective process.

Key Responsibilities :

• Responsible for maintaining the corporate credit policy as per the parameters laid down in
  Product Policy.
• Responsible for Effective Cost Management.
• Understanding & Managing Healthy Portfolio.

Preferred candidate profile

• Graduate or Post Graduate in Marketing/Finance / CA or any other field

• 8 - 10 yrs experience in Secured/Unsecured products financing is a must.
• Good communication and pleasing personality.
• High level of Self Drive/Enthusiasm.