Kogta Financial - National Credit Manager - Vehicle Loans

- Analysis of financial statements and preparation of credit assessment memos for Re-finance and New finance along with the Two Wheeler Finance.

- Should have a proper understanding of Product grid and brand mix.

- Credit evaluation of borrower transaction history, underlying collateral, credit bureau, bank statement and other external data.

- Preparing review and renewal credit reports for revisiting limits.

- Personal discussions with customers & credit checks of applications as per policy.

- Initiate and review legal and technical reports wherever required.

- Suggest credit policies, credit lines, procedures and standards in conjunction with business.

- Employee / Customer query resolution pertaining to sanction/disbursements.

- Monitor loans on a continuous basis to ensure minimal delinquencies and NPA.

- Constantly thinking of new ways to Leverage technology for faster credit evaluation.