AVP - Credit Operations - Used Car Loan

- Overseeing the credit operations including appraisal of proposals, document management, coordination with dealers, branches and Direct Sales agencies, ensuring deliverance of targeted turn around time and best services to the market.

- Interfacing with different departments - Sales, Operations, Risk and Collections.

- Setting up processes for timely collection and updation of collaterals.

- Ensuring Credit Team across branches to meet assigned targets, productivity and adhere to the policy and laid down processes.

- Ensuring process improvements in Credit underwriting, sanction ratio including consistent application of credit policy and periodic credit reviews of existing customers and sharing their learning's.

- Ensuring team managing and training the credit vendors including CPV, Valuation & PD agencies.

- Responsible for maintaining a high quality portfolio with quality decision and process management.

- Ensure team does regular meeting with channel partners to boost business volumes, quality of sourcing, TAT monitoring etc. Ensure sharing of delinquent data and pending collateral list with them on a regular basis.

- Track and adhere to all policy, process requirements and generate reports for compliance certificate.

- Ensure to share market information about business, policy and statutory changes and developments and suggest policy amendments accordingly.