Role & responsibilities
- Evaluate and approve/recommend used car loan applications within defined credit authority.
- Conduct detailed assessment of customer income, financial profile, bureau reports, banking transactions, repayment capacity, and overall creditworthiness.
- Review and validate vehicle-related documents, valuation, ownership, registration, insurance, and other relevant documentation.
- Identify potential credit risks, fraud indicators, policy deviations, and irregularities in loan applications.
- Ensure adherence to the company's credit policy, risk parameters, regulatory requirements, and approval processes.
- Coordinate with Sales, Operations, Collections, Valuation, and other teams to ensure smooth and timely loan processing.
- Analyze deviations and make appropriate recommendations based on risk-return considerations.
- Monitor portfolio quality, delinquency trends, and early-warning indicators within the assigned portfolio.
- Conduct customer/field verification wherever required as part of the credit assessment process.




- Ensure proper documentation and compliance before disbursement.
- Provide guidance and support to credit officers/executives on complex cases and underwriting decisions.
- Maintain turnaround time (TAT) while ensuring quality of credit decisions.
- Prepare and review MIS/reports related to approvals, rejections, deviations, portfolio quality, and credit performance.
- Support internal and external audits and ensure timely resolution of audit observations.

Key Skills & Competencies
- Strong knowledge of used car loan underwriting and credit assessment.
- Valuable understanding of credit bureau reports, banking analysis, income assessment, and FOIR/eligibility calculations.
- Strong analytical and decision-making skills.
- Ability to identify fraud risks and credit anomalies.
- Good understanding of vehicle valuation and documentation processes.
- Strong communication, negotiation, and stakeholder-management skills.
- Ability to wo

📌 Credit Manager Used Car loan (Bengaluru)
🏢 Jana Small Finance Bank
📍 Bengaluru