Credit

- Handle products including 2W, 3W, Car Loan, CV, Used CV, Used PV, CE & Tractor.
- Ensure timely loan approvals as per defined TAT, credit norms and approval criteria.
- Conduct customer visits for credit appraisal and assess creditworthiness.
- Conduct training sessions for Sales Executives on credit policies and amendments.
- Monitor Non-Starter customers and work jointly with the Sales team on ED & NS cases.
- Manage Repo Stock liquidation while maintaining losses within defined limits.
- Ensure portfolio quality and hygiene parameters including First EMI, PDD, TAB adoption, Udyam collection and 100% PAN updation.
- Complete Risk Control Self-Assessment activities before internal audits.

Operations

- Ensure smooth and timely processing of disbursement files with minimum queries.
- Maintain Image & File FTR above 95%.
- Monitor Service Requests and ensure resolution within defined TAT.
- Maintain all mandatory branch registers, including Key Movement, NOC and Petty Cash registers.
- Manage end-to-end back-office operations while ensuring process compliance and customer service excellence.

📌 Area Credit Operations Manager (Baramati)
🏢 Chola
📍 Baramati