- Responsible for underwriting credit appraisal, Disbursement of CV loan proposals.
- Monitoring / tracking & escalation of adverse new events in the portfolio of the assigned Area.
- Credit Appraisal and Sanctioning of CV loan proposals.
- Handling a Team of Credit Managers and monitoring business.
- Analysis and resolution of delinquency and working closely with Sales team.
- Analyzing 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 branchs delinquency / PDD level, ensuring / taking corrective action prior to its reaching its bench mark.
- Responsible for Audit and Regulatory compliance for the assigned Area.
- Effectively assessing credit risk and (current and potential) client viability.
- Training and co-ordinating with the Team for timely effective process.
Key Responsibilties
- 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.
Mandatory skills
- Graduate or Post Graduate in Marketing/Finance / CA or any other field • 8 - 10 yrs experience in Secured/Unsecured products financing is a must.
- Valuable communication and pleasing personality.
- High level of Self Drive/Enthusiasm.