Job Role:

Responsible for underwriting credit appraisal, Disbursement of CE.

Monitoring / tracking escalation of adverse current events in the portfolio of the assigned Area.

Credit Appraisal and Sanctioning of CE.

Handling a Team of Credit Managers and monitoring business.

Analysis and resolution of delinquency and working closely with Sales team.

Analysing Higher Value cases and processing it for approvals.

Personal discussion, monthly market visits to various financiers, dealers etc.

Analysis - quantitative and qualitative of requests for loans and lines of credit.

Keeping tap on each branch’s delinquency / PDD level, ensuring / taking corrective action prior to its reaching its bench mark.

Effectively assessing credit risk and (current and potential) client viability.

Training and co-ordinating with the Team for timely effective process.

Key Responsibilities:

Responsible for maintaining the corporate credit policy as per the parameters laid down in Product Policy.

Responsible for Effective Cost Management.

Understanding Managing Healthy Portfolio.

📌 Area Credit Manager - CE (Bhubaneswar)
🏢 HDB Financial Services
📍 Bhubaneswar