Area Credit Manager - Commercial Vehicle Finance

Area Credit Manager - Commercial Vehicle - Strategic Accounts - Motor Finance - Credit - Jaipur - Umaid Mansion - (M4 - M6)

Job Purpose
To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies through underwriting, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions.

Main Accountabilities
• Timely due diligence of the funding proposals of the branches.
• Ensuring the credit policy implementations.
• Managing and supervising FI agency/ valuation agency operations.
• Ensuring quality portfolio of the branches within the set parameters.
• Conducting training for FI/ Channels and cross verticals at regular intervals.
• Visiting Channels/ Branches, dealers and customers at regular intervals.
• Handling a team of Branch Credit Manager and associates.
• Providing market feedback through field visits and networking with credit counterparts of competition.
• Providing inputs for localized schemes based on market dynamics and delinquency studies.
• Audit of files and process and taking corrective measures.
• Complying to audit queries
• Keep track on performance of self and drive the team to enable positive results on KPIs.
• Communicate & maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting.

Qualifications
• Minimum Degree: MBA/ CA/ ICWA /CS /M.com /B.com (Hons)