Partner at Talent Proz Consultants
Views:416 Applications:88 Rec. Actions:Recruiter Actions:0
Credit Manager - Vehicle Loans (3-10 yrs)
Credit Manager - Vehicle Loan
Individual Contributor role
- Credit Assessment
- Appraise/Underwrite the loans within defined policy guidelines and accordingly recommend to appropriate authority for approval.
- Thorough checking of the application file as per the laid down policy/process guidelines
- 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), identifying 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
- Periodic monitoring of Exception approvals/Reject analysis and inference.
- Ensure Credit Quality and maintain the Credit Cost under control