1. Job purpose The Area Credit Manager Commercial Vehicle is responsible for managing credit underwriting and risk assessment for commercial vehicle finance proposals within an assigned geographical area. The role involves evaluating borrowers' repayment capacity, assessing vehicle and business-related risks, ensuring compliance with the bank's credit policies, and maintaining a healthy loan portfolio while supporting business growth.

2. Key roles and responsibilities

Based on IDFC FIRST Bank's published Commercial Vehicle Credit Manager job descriptions, the following is a consolidated description for the Area Credit Manager role.

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1. Credit appraisal and underwriting

- Evaluate commercial vehicle (CV) and construction equipment (CE) loan applications.
- Assess customer creditworthiness, repayment capacity, income, banking transactions, existing liabilities and credit bureau reports.
- Analyse financial documents, business stability, vehicle details, loan-to-value (LTV) and repayment obligations.
- Take or recommend credit decisions within the approved delegation of authority and bank policies.

1. Customer verification and due diligence





- Conduct personal discussions with borrowers to assess their financial position and business operations.
- Ensure completion of KYC, credit checks, telephonic verification, field investigations and collateral or vehicle-related checks, as applicable.
- Identify potential fraud, discrepancies, adverse credit history and other risk indicators.

1. Area credit operations

- Manage credit proposals and underwriting volumes across the assigned area.
- Ensure timely processing of applications within defined service-level agreements (SLAs).
- Monitor pending cases, approval rates, turnaround time and quality of credit decisions.
- Guide credit officers and underwriters on appraisal standards and policy compliance.

1. Portfolio management and risk control

- Monitor portfolio quality, early payment defaults (EPDs), delinquencies and non-performing assets (NPAs).
- Identify high-risk customers and segments and recommend corrective action.
- Coordinate with collections and business teams to control early delinquencies and minimise credit losses.Role & responsibilities

Preferred candidate profile

📌 Area Credit Manager- Commercial vehicle (Coimbatore)
🏢 Prudent HR
📍 Coimbatore