Role & responsibilities:

- Formulating and implementing policy, procedures & guidelines for the Consumer Durable Loan credit appraisal
- Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms
- Analyzing the market trends / practices and benchmarking of policies with the market
- Establishing a robust Credit Analytic Frameworks to identify early warning signals, credit risk process inputs and customer segment wise risk factors
- Ensure that data integrity is maintained and meet all ISO process standards as per the organization's credit policy
- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
- Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis
- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team,



credit operations team and collection team
- Manage the interface with External / Internal Auditors; Design controls to meet all regulatory & internal requirements
- Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
- Assist in developing and implementing training programs to improve the quality and productivity of the team

Job Requirements:

- Post Graduate / MBA
- 8+ years experience in credit policy formulation, process management
- Knowledge of credit policy, process, and associated risk in Consumer Durable Loan
- Experiencing in analyzing the market trends / practices and benchmarking of policies
- Experience in identifying internal process gaps to achieve timely resolutions
- Process-oriented mind-set
- Robust communication and interpersonal skills
- Problem-solving and decision-making skills
- People Management skills

📌 Chief Manager - Credit Policy | Consumer Durable Loan (Chennai)
🏢 tvs credit services
📍 Chennai