Area Credit Manager CV Loan Indore, Gwalior, Bhopal

Job Description:

Role Summary:
The Area Credit Manager will be responsible for managing the credit underwriting process for
commercial vehicle (CV), Construction Equipment (CE), Small Commercial Vehicles (SCV) and Tractor
products in the assigned region. This role ensures compliance with the company's credit policy,
minimizes risks, and supports business growth by maintaining a healthy portfolio.

Key Responsibilities:
1. Credit Underwriting:
o Assess loan applications for commercial vehicle (CV), Construction Equipment (CE),
Small Commercial Vehicles (SCV) and Tractor products based on credit policies and
market insights.
o Conduct detailed analysis of customer financials, creditworthiness, and repayment
capacity.
o Approve/reject loan proposals within the designated authority level and recommend
high-value cases for further approvals.

2. Policy Implementation:
o Ensure adherence to company credit policies and guidelines.
o Provide inputs for policy changes based on market dynamics and portfolio
performance.
3. Risk Management:
o Evaluate and mitigate potential risks in the credit assessment process.
o Monitor portfolio health and flag any early warning signals for delinquent accounts.
4. Team Coordination:
o Work closely with the sales and collections teams to ensure smooth onboarding of
customers.
o Provide training to sales teams on credit processes and compliance requirements.
5. Market Insights:
o Stay updated on market trends, competitor activities, and customer behaviors in
SCV and tractor financing.
o Leverage insights to recommend credit policy adjustments and strategies.
6. Audit and Compliance:
o Ensure all credit files and approvals comply with regulatory requirements and
internal audit standards.