Hero FinCorp - Area Credit Manager - Used Car Loans (4-8 yrs)

- Underwriting the loan application basis, the level of sanctioning authority as defined by the management, processing of applications under credit/compliance and company policy.

- Ensure accurate execution/implementation of Digital initiatives

- Vendor managements # ensuring deliverables of FI agencies, Valuation agencies and PD agencies are well coordinated and adherence to quality concepts. Concluding monthly billing and generating payouts

- Involved with the Channel partners and Vendors to monitor SLA, maintain compliance, processing monthly bills and thriving relationship for smooth functioning of the unit in align with the Business.

- Continuous engagement with Credit Processing unit to bring in process and tat efficiencies.

- Great interpersonal skills to ensure seamless processing of the retail loan applications, Interact with peers & colleagues from other functions to figure out concern areas & resolutions to be worked upon for better performance delivery.

- Focus on maintain a right coordination with State Credit Manager an key deliverables.

- Engage in tracking performance on various Credit Parameters including TAT, Approval Rate, WIP cases. Minimizing application TAT by decisioning them in proper time thus maintaining adequate control.

- Ensuring that all key MIS are shared regularly with the stakeholders to keep them updated.

- Participate in Portfolio & PDD management of the location along with State Credit Manager including follow up of delinquent cases in various bucket, ensuring roll back and stabilised the accounts. Effective control on FEMI, SEMI and TEMI.

- Ensure to go through the mandatory PRIDE Training modules and adhered to the company policy. Individual must at all times, live up to the Values of Hero fin Corp. i.e. TITHI - Teamwork, Integrity, Trust & Respect, Humility and Innovation and Speed to achieve the organisation goals.

- Ensuring timely trainings to Credit processing team, Vendor agencies and Business sourcing teams for better performances.