Associate Credit Manager - Commercial Vehicle

Job Requirements

Job Title –Associate Credit Manager – CV & INF

Place of work - Mumbai

Business Unit - Retail Underwriting

Function – Retail Underwriting

Job Purpose

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities

• Support underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honour the agreed SLAs and manage area business volumes
• Conduct personal discussion with customers to establish credit worthiness
• Help control and contain front-end delinquencies by calling up customer on first presentation
• Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits-Coordinate with sales to achieve targets and ensure SLAs are met
• Help in ensuring credit policy adherence to the accepted standards
• Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing
• Help review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy
  
  

• Attract and retain best-in-class talent for key roles in their reporting structure