JOB DESCRIPTION FORM

Job Title: Area/ Credit Manager – LAP |
Date: |

Job Holder Name: |
Dept: Underwriting (LAP) |

Reports To: Regional Credit Manager - LAP |
Location: PAN India |

1: Job Purpose Statement (Summarise in one/two statements why this job |
exists, and the contribution makes to the overall business of the company).|

To ensure credit assessments for the LAP business in the assigned |
locations. Ensuring credit decisions are approved /presented basis the |
policies, processes and as per merits of the cases logged in. |

2: Duties & Responsibilities (List in the order of importance the duties & |
responsibilities of this job) |

Credit Assessment: |
Responsible for performing detailed credit analysis for LAP cases and field|
visits for the cases in the assigned locations. |
Review underwriting process at branch/location level as per process and |
policies. |
CAM preparation and analysis of financial statements. |
Financial Analysis and in-depth eligibility calculation of LAP cases for |
the assigned locations. |




Advisory and Credit Assessments for LAP cases in locations and evaluating |
credit worthiness. |
Present the analysis to the committee for approval through RCM and NCM. |

Operations & Monitoring: |
Co-ordinate for legal documentation, disbursement. |
Co-ordinate with Technical team for technical evaluation process. |
Co-ordinate for credit risk assessment of risk mitigation |
Post-disbursement monitoring, maintaining portfolio quality. |
Relationship management with the DSA and Channel partners. |
Monitoring collection of dues from the customers in collaboration with |
collections team |
MIS monitoring with correct information and tracking of TAT for each case. |

3: Organisational Relationship (Provide an organisational chart which |
illustrates the organisational structure above and below this position). |

National Credit Manager-LAP |

Regional Credi

📌 Area Credit Manager (Chennai)
🏢 Mahindra Finance NON IT
📍 Chennai