TWF Regional credit manager

Job summary

The role involves leading and managing a two-wheeler loan portfolio within a
specific region - UP and Eastern States.

Responsibilities include driving business growth, ensuring portfolio quality,
and managing a team of credit professionals.

* Credit Management & Portfolio Quality
* Oversee the credit process for two-wheeler loans, from appraisal to
collection.
* Evaluate applicant creditworthiness using financial data, reports, and other
information.
* Analyze financial information to assess repayment ability and manage risk.
* Ensure adherence to credit policies, guidelines, and regulations.
* Monitor the credit portfolio for quality and early warning signs.
* Track deviations and delinquencies to implement corrections.
* Analyze delinquent cases and data for proactive risk management.

* Business Development & Strategic Partnerships
* Partner with the business team to meet targets.
* Maintain relationships with dealerships, OEMs, and other regional
stakeholders.




* Identify and analyze current markets in the region.
* Promote the company's products to partners and customers.

* Team Leadership & Development
* Lead and manage credit approvers, providing guidance and training.
* Ensure team performance meets expectations.
* Arrange training on credit scrutiny, KYC, and process adherence.
* Conduct performance evaluations and provide feedback.

* Operations & Compliance
* Set up and monitor processes for vendor and PDD management, staffing, and
security creation.
* Ensure turnaround times are met.
* Coordinate with external agencies.
* Ensure audit compliance.
* Collaborate with internal teams like sales, operations, and legal.
* Lead post-disbursement document and covenant compliance.

Specific field and industry experience is needed, as well person who knows local
profile and geography shall be preferred.

📌 Regional Credit Manager (Noida)
🏢 Kotak
📍 Noida