SMAS Auto Leasing - General Manager/Deputy General Manager - Credit Control

Position Title : GM / DGM Credit Control

Reporting To : EVP - Corporate Division Head

Department : Credit & Risk Management

Role Context

Skills and Requirements

Critical Attributes

Purpose

Delivering Credit Risk Assessment & Control services as per organization standards and timeline.

Building relationships and interacting with Sales department and clients to and develop new process in order to smoothen the process.

Context

- Credit Appraisal.

- Credit Renewal management for the existing client and new clients of company.

- Expertise in Financial Analysis.

- Expert skills in Risk Assessment and fixing the controls.

Decision Making Authority:

The candidate will have to take charge and concerns of each assignment and update the management on regular basis to facilitate quicker solutions.

Key Output

Main Priorities

- Timely closure of Credit appraisal within given TAT.

Key Outputs

- Evaluating clients- credit data and assessment of their financial statements to ensure, determine the degree of risk involved in lending money to the new clients.

- Analysing client's records and using the data to recommend payment / collection plan.

- Conferring with credit associations, Sales and references to exchange credit information on clients

- Evaluating the financial status of clients by producing financial ratios then submission to committee for their approval.

- Ensure timely renewal of credit reports for the existing Client.

- Periodic review of Credit controls and limits assigned to the clients.

Skills and Requirements

Qualifications:

- Post Graduate / MBA / CA / ICWA / CS or equivalent in Finance.

Knowledge:

- From finance credit background.

- Knowledge of Auto mobile leasing will be an advantage.

Skills

- Strong written and verbal communication skills in relation to English and the local language where the premises is situated.

- High process orientation and analytical skills, especially attention to detail.

- Strong networking and relationship management skills.

Experience: Min 10 years of experience from banking / NBFC / automobile leasing / Insurance/ any financial institutions.

- Maintain Relationships

- All relevant Internal and External support functions.

Critical Attributes

1. Excellent command over MS Excel

2. Knowledge of Leasing / Insurance or BFSI sector.

3. Knowledge of Oracle Software would be an added advantage.

Behavioural

- Positive Attitude.

- Good Leadership.

- Acumen to re-engineer new thoughts

Salary : Negotiable