Managing Partner at Kairos Consulting India
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Zonal Credit Manager - Auto Loan Group - Bank (10-13 yrs)
Company : Leading private Bank
Role : ZCM - Auto Loan group
Grade : Chief Manager
Location : Mumbai / Pune
Educational Qualification : CA or Post Graduate qualification (MBA Finance ) having experience in Private sector Banks in Auto lending business.
Experience : Minimum of 10-14 years of experience
Job Responsibilities :
- Appraising proposals for auto loan financing conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies
- Supervising, controlling delinquency and credit loss
- Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of MIS reports
- Fulfilling the credit training needs of entire business team on a continued & timely basis
Requirement In depth knowledge of :
- Financial & Credit Risk analysis
- Risk (credit / investment, operational, others) identification and mitigation
- Banking products and procedures; Documentation
Skills required :
- Ability to understand economic / industry cycles
- Analysis of annual reports, Income tax returns and cash flow statements
- Excellent communication skills verbal, and written (including report writing)
- Problem solving attitude
- Team player
Team Management :
- Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process operations.
- Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members.
- Nurturing, managing & imparting training to the team is also one of the core activities.
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