IDFC Bank - Credit Manager - Commercial Vehicle

Principal Responsibilities :

- To conceptualize, deliberate, draft, and roll out risk policies/products and amendments to risk policies/products for vehicle loans (New & Used Commercial Vehicles, Two Wheelers, Tractor) in line with business requirements.

- Defining Credit, Risk and Operational policies and procedures.

- Conduct risk based process reviews to identify gaps & implementing control measures to maintain portfolio quality.

- Analyze data to monitor portfolio quality and policy triggers to provide regular feedback to the business on the same.

- Reporting of product performances and changes in portfolio quality to senior management periodically.

- Development of risk scoring and pricing models in coordination with analytics team for faster & improved decisions.

- Extensive location visit to get insights about market intelligence & industry practices and use the inputs for business support by development of new products. Review of locations and sourcing channels.

- Underwriting for vehicle loans (CV, TW & Tractor) covering high value & high risk cases flowing at risk level from different geography in India.

- Act as the primary point of contact with respective business units regarding risk policies & processes. Includes facilitating various business verticals, regular feedbacks which could lead to process/policy improvements.

Required Skills and experience :

- CA/MBA/Master in Finance from a premier institute

- 4-7 years of experience in Credit Risk and/or Policy Function, preferably having covered Auto loans (New & Used CV, TW, Tractor)

- Good analytical skills and understanding of financial statements

- Good inter personal and communication skills (verbal and written)

- Documentation experience (Loans & ISDA)

Qualification : CA/MBA/Master in Finance