Job Purpose: This role is responsible to create, review & implement credit policy for the Two Wheeler business in line with business requirements. Also Responsible for conceptualization & launch of credit policy for the same. Key Responsibilities: - Conduct periodical review meetings with the business head for aligning credit policy to business needs and reporting credit deviations - Portfolio reviews covering areas of delinquency reports, perusing Early Warning System (EWS) reports. Focus should be on portfolio intervention and resolutions strategies with the business unit in order to improve asset quality on continuous basis - Capturing key data elements and analyzing them, interpreting the cross-period movements and understanding the macro mechanics of the system - Responsible for the compliance to procedures laid down for processing, sanction, documentation and disbursement of various loan products at all the branches - Identify and implement system and process improvements to ensure accurate, thorough data is available to support high quality analysis - Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control - Introduce projects related to process improvement, business development and risk reduction; serve as a co-owner for these projects - Define processes and procedures in the credit function; ensure compliance with credit policy by coordinating with the authority at all locations - Managing of Rule engine for credit decisioning - Study competition and anticipate market trends, create programs to counter competition and improve business results - Plan and execute quarterly risk assessment process in accordance with established standards, policies & procedures - Ensure credit deviations are within control by monitoring underwriting quality; achieve credit cost reduction through programs focused on process and productivity improvement Job Requirements: - Post Graduate / MBA - 15+ years in Two Wheeler financing credit underwriting & policy - Ability to derive industry insights & analyze best practices across industry - Understanding of Two Wheeler industry; product knowledge - Exposure to retail finance lending - Ability to analyze the portfolio risk and to deal with the customers - Strong analytical skills - Strong communication and interpersonal skills - Good negotiation skills

Chennai

TVS Credit - Associate Vice President - Credit - Two Wheeler Loan 

Job Description for TVS Credit - Associate Vice President - Credit - Two Wheeler Loan  in TVS Credit Services Limited in  Chennai for (15-20) years of experience. Apply Now!