Zonal Credit Manager - Pre-Owned Cars Loan

Hiring for one of the leading Fintech Company.

Role : Zonal Credit Manager - Pre-owned Cars/Used Car/Auto Loans

People currently at ZCM level or equivalent can only be considered.

- Looking for candidates currently working as ZCM having exposure in Pre-owned Cars/Used Car/Auto Loans for large ticket size.

- Driving the credit practice for our Pre-owned Cars/Used Car/Auto Loans segment within the defined risk philosophy of the company.

- Leading the team of credit managers to ensure due diligence in credit analysis, deviations management, evaluation, underwriting and sanctioning of loans.

- Set-up standard approach of credit through hind sighting practice.

- Set-up and lead the team of credit managers for managing day to day credit approvals under our Pre-owned Cars/Used Car/Auto Loans vertical, drive towards assessing creditworthiness of the borrowers by using data points available along with adherence to the defined Credit policy checks.

- To ensure Audit compliance and regulatory compliance in the overall PL credit process substantiated through right eligibility calculations in CAM.

- Interact with the channel partners to gather business trends and developments; Implement good practices and share early warning trends with teams.

- Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products.

- Working in sync with the data analytics and policy team to proactively contribute towards real time calibration of credit policies.

- Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required.

- Keep and promote razor sharp focus on the delinquencies that may come up in our lending programs.

- Key aspect shall be to recommend changes in our credit policies/process/practice as a learning from the delinquencies.

- Promoting the culture of team-work within the team, also ensure to continuously upgrade the skills of our credit managers with credit, market and industry intelligence.