AU Small Finance Bank - National Credit Manager - Tractor Domain

Relevant Experience: Min 10 Yrs. of experience in handling underwriting and collections of comparable portfolio size.

Job Description :

- In-depth understanding of the product, market and geographies.

- Have a fair understanding of vehicle viability and cash flows.

- Keen knowledge about products of different manufacturers and their variants. Be able to understand technical differences and decide on offering based on the same.

- Ability to mentor and lead the team across sales and credit functions.

- Ensure cordial environment in all the Branches, be a source of motivation for the team under him, adaptable to changing business requirements.

- Understanding of CIBIL and other checks performed to check customer's credibility.

- Responsible for appraising & assessing risks and provide suitable mitigation.

- Responsible for finalizing policies and setting up processes for quality underwriting and ensure implementation of the same.

- Underwriting high value cases and provide exception approvals for day to day transactions.

- Work closely with the Collection and RCU teams to build and grow high quality portfolio.

- Understanding of inherent credit, collateral, operational and fraud risks.

- Good knowledge of legal, Technical and Property documents and identify associated risk.

- Framing & reviewing credit policy / operational policy. Developing new product program in compliance with the company strategy / Policy.

- Review and recommend changes in the credit and related policies to senior management and ensuring the implementation of the same.

- Work closely with the Collection and RCU teams to ensure high quality portfolio.

- Ensure adherence to KYC/AML screening requirements of the organization.

- Ensure controlled portfolio growth within approved delinquency and loss performance with the support of collections and RCU.

- Review and administer the Credit Programs and Policies within the board approved frameworks and ensure the implementation of the same.