Regional Credit Manager / Senior Credit Manager (Commercial Vehicle)

Department: Credit

Vertical: Commercial Vehicle (CV) Finance

Experience: 712 Years

CTC: 6 LPA – 12 LPA

Location: Indore

About the Company

Dugar Finance & Investments Ltd. is an RBI-registered Non-Banking Financial Company (NBFC) engaged in providing financial solutions across various segments, including Commercial Vehicle Finance, MSME Finance, Loan Against Property and other lending products.

We are looking for an experienced credit professional to manage and strengthen our Commercial Vehicle (CV) lending portfolio through effective credit assessment, risk evaluation and sound underwriting practices.

Key Responsibilities

1. Credit Assessment & Underwriting

- Evaluate and assess loan applications under the Commercial Vehicle (CV) finance vertical.
- Analyse customer profiles, financial statements, income documents, repayment capacity and credit bureau reports.
- Assess the creditworthiness of individual borrowers, transport operators, fleet owners and business entities.
- Conduct detailed risk assessments before recommending or approving credit proposals.

1. Credit Appraisal & Risk Management

- Ensure proper evaluation of borrower profiles, vehicle valuation, loan-to-value (LTV) ratios and repayment capacity.
- Identify potential credit risks and recommend appropriate risk mitigation measures.
- Ensure adherence to the company's credit policies,



underwriting norms and lending guidelines.
- Monitor portfolio quality and identify early warning signals.

1. Team & Business Coordination

- Coordinate with sales, operations and collection teams to ensure smooth loan processing and disbursement.
- Provide guidance to the sales team on credit requirements and documentation.
- Ensure timely turnaround time (TAT) for credit decisions without compromising credit quality.

1. Policy & Compliance

- Ensure compliance with applicable RBI guidelines and internal credit policies.
- Maintain proper credit appraisal records and documentation.
- Suggest improvements in credit assessment processes and underwriting standards.

Desired Candidate Profile

- 7–12 years of relevant experience in credit appraisal and underwriting, preferably in an NBFC or financial institution.
- Strong experience in Commercial Vehicle (CV) Finance is mandatory/preferred.
- Good understanding of used and new commercial vehicle financing.
- Knowledge of credit assessment, financial analysis, bureau checks, LTV and risk evaluation.
- Ability to independently assess and recommend credit proposals.
- Robust analytical, decision-making and communication skills.
- Experience handling credit teams or independently managing a credit portfolio will be an added advantage.

Interested Candidates to share their profiles at [email protected] or (phone hidden) - Komal Agarwal - HR

📌 Regional Credit Manager (Indore)
🏢 Dugar Finance & Investments
📍 Indore