Credit Manager - Car Loan/Auto Loan

Position Purpose: -

1) Responsible for Assessment of credit worthiness of Auto and Car loan business and Portfolio performance.

2) To ensure policies / process compliances in the zone and business processing is being Done within agreed TAT standards.

3) Responsible for monitoring the portfolio quality in the region.

4) Maintain productivity at the desired levels aligned with organizational goals and objectives.

Functional responsibilities include following :

1) Adherence to Credit policy with efficiency, accuracy and service standards for the business - Ensure TAT SLA are met

2) Coordinating with teams including cross functional teams at Branches and vendor management. Coordinates and training with different businesses/functions to reduce wastage and enhance the throughput.

3)Timely Compliance and resolution of Audit observations

4 )Ensure that agreed turnaround times as per SLA are honoured across various locations in the Zone and maintain efficient MIS to monitor the same.

5) Adherence to Credit policy with efficiency, accuracy and service standards for the business

6 )Track deviations and any correlation between deviations and delinquencies

7) Monitoring of the portfolio, analysis of delinquent cases, profiling of customers, data cuts and highlight any early warning signals

8) Timely Compliance and resolution of Audit observations

9) Look for technology adoption for improving quality of process / underwriting and efficiency

10) Monitor the productivity of the underwriting team and take corrective action to facilitate smooth functioning of business.