Description:

Job Summary

We are seeking an experienced Manager/Senior Manager (5+ years) with mandatory expertise in commercial vehicles (CV) and fleet underwriting across the entire wheel segment. The ideal candidate will possess strong proficiency in developing and implementing risk-based strategies, conducting detailed financial analysis of large corporates (>200 Cr.), and preparing accurate Credit Notes for senior management.

Key responsibilities include managing the entire underwriting process, executing on-site/off-site Personal Discussions (PD), and actively contributing to PDD (Post-Disbursement Documentation) management and Quick Mortality prevention through robust Early Warning System (EWS) strategies.

Key Responsibilities and Underwriting Deliverables:

Underwriting & Credit Analysis:

- Leverage Minimum experience of 5 years in wheel segment underwriting, spanning TW, 3-Wheeler, 4-Wheeler, LCV, SCV, and M&HCV segments.

- Possess deep experience in commercial vehicles and terminology is mandatory for accurate risk assessment.

- Be Fluent in CAM (Credit Appraisal Memorandum) preparation and skilled in Bank statement plotting and analysis to assess borrower cash flows.

- Be Well adapt with financial statement analysis of large corporates (>200 Cr.) for complex fleet financing proposals.

Risk Management and Strategy:

- Develop & implement risk-based strategy & their implementation to mitigate overall enterprise risk, focusing on the fleet portfolio.

- Lead the development and execution of the EWS strategy (Early Warning System) to proactively identify potential defaults and mitigate risk.

- Focus on minimizing Quick mortality and managing portfolio stability.

- Contribute actively to Risk mitigation efforts through policy formulation and underwriting checks.

Process and Stakeholder Management:

- Possess mandatory Experience in customer Personal Discussion (PD)On-site & Off-siteto validate applicant credentials and operational stability.

- Be Well versed with preparation and analysis of Credit Note to be presented to higher management, ensuring clear risk communication.

- Oversee PDD management (Post-Disbursement Documentation) processes to ensure compliance and closure.

- Demonstrate strong stake-holder management skills, collaborating with Sales, Collections, and senior leadership.

Personal Attributes:

- Be Eager to learn individually and self-motivated individually, thriving in a fast paced environment and changes.

Mandatory Skills & Qualifications:

- Experience: Minimum experience of 5 years in wheel segment (TW to M&HCV).

- Domain: Mandatory Experience in commercial vehicles and terminology.

- Underwriting: Expertise in Fleet underwriting, CAM preparation, and Bank statement plotting and analysis.

- Risk Management: Proven ability to implement Risk strategy & management protocols, including EWS strategy.

- Credit Analysis: Proficiency in financial statement analysis of large corporates (>200 Cr.).

- Process: Experience in customer Personal Discussion (PD) and PDD management.

Preferred Skills:

- Exposure to Electric Vehicle (EV) financing and associated risk models.

- Experience with specialized underwriting software or systems.

- Strong knowledge of local regulatory requirements specific to CV financing.