Credit Manager - Vehicle Loans

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