Job Role

Key functions will be
Responsible for underwriting credit appraisal, Disbursement of CV loan proposals.
Monitoring / tracking & escalation of adverse current 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.

📌 Area Credit Manager Commercial Vehicle Malda
🏢 HDB Financial Services
📍 Malda