Posted By
Posted in
Banking & Finance
Job Code
1433157
- As a Credit Manager for Commercial Vehicle (CV) Loans in Pune, your primary responsibility will be to oversee and manage the commercial vehicle loan portfolio.
- This role involves strategic planning, policy formulation, process implementation, and portfolio monitoring to ensure efficient and effective credit management.
Key Responsibilities :
Formulating Credit Policy for Commercial Vehicle Business:
- Develop and establish credit policies tailored for the commercial vehicle loan segment.
- Setting Up Processes to Ensure Smooth Workflow:
- Implement efficient processes to streamline the credit approval and loan disbursal workflow.
Automating Credit Policies in System:
- Utilize technology to automate credit policies and enhance straight-through processing capabilities.
Monitoring Portfolio Performance:
- Regularly monitor the performance of the commercial vehicle loan portfolio.
- Intervene proactively where necessary to mitigate risks and optimize portfolio health.
Publishing Reports on Portfolio Health:
- Generate regular reports to assess the health of the portfolio.
- Identify emerging trends and highlight high-risk segments that require attention.
Market Research and Policy Adaptation:
- Conduct field visits across different locations to gather market intelligence.
- Recommend adjustments to credit policies and processes based on market conditions.
- Collaboration with Business and Collection Teams:
- Work closely with the business development team to understand client needs and market dynamics.
- Collaborate with the collections team to enhance portfolio performance.
Underwriting Deviation Cases:
- Assess and underwrite deviation cases from standard credit policies.
PDD Management (Pre-Disbursement Due Diligence):
- Ensure thorough due diligence processes are in place before loan disbursement.
Annual Operating Plan (AOP) Management:
- Contribute to the development of the Annual Operating Plan for the commercial vehicle portfolio.
- Manage cost and loss budgeting to align with financial targets.
Requirements:
- Proven experience in credit management, preferably in commercial vehicle loans.
- Strong analytical skills with the ability to interpret complex financial data.
- Excellent communication and interpersonal skills for effective collaboration.
- Ability to travel extensively to various locations as required
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Posted By
Posted in
Banking & Finance
Job Code
1433157
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