Senior Manager - Credit - Inventory Funding

- In-charge of centralized PAN India Inventory Funding Credit- Supply Chain Finance Credit & Working Capital Finance Credit for Automobile, Commercial Vehicle dealers.

- Credit Appraisal of the case - analyzing the CIBIL Report, analyzing the Audited Financials, seeking Market Feedback of the applicant.

- Reviewing and monitoring the repayment performance of all the accounts on daily basis and initiating relevant corrective action for recovering the overdue froms the defaulting customer.

- Appraising the special fund request / adhoc limit requests of the dealers during year end / festive seasons and decisioning the requests depending on the market potential.

- Appraising the Temporary Overdraft request of the dealers and ensuring that the same is repaid by the dealer within committed time.

- Handling the activity of creating charge on movable / immovable assets and book debts in records of Registrar of Companies -

- Conducting Annual Review of the dealers and deciding on the quantum of the limit that the dealer is eligible for depending on previous year's sales performance, review of audited financials, repayment performance etc. Ensuring that the instances of NPA are minimal.

- Preparing the Monthly Portfolio Risk Review, presenting the same and proposing corrective actions where ever required.

- Periodically reviewing the Policy and initiating relevant changes in the same.

- Independently handling RBI Audits and Internal Audits

- Analyzing the Fortnightly stock Audit Reports and highlighting the Stock Gaps