Area Credit Manager–Vehicle Loans Patna, Guwahati, Chandigarh, Lucknow, Delhi, Kolkata
Job Description:
Credit Assessment
Appraise/Underwrite the loans within defined policy guidelines and accordingly take decisions or
recommend to appropriate authority.
Assess the income, ability, intention and credit behaviour of the applicant and verify documents and
reference checks, bureau checks, along with the customer due diligence
Understanding the nature of business of the applicant(s), assessing the risk associated and
ascertaining the revenue stream
Evaluate all the credit risk parameters and implement measures to mitigate the same
Prepare the credit approval memo and manage the overall TAT and approval rate.
Credit Monitoring
Ensure strict adherence to the laid down policy and process
Ensure portfolio quality and periodic structured reviews of the portfolio
Periodic monitoring of Exception approvals/Reject analysis and inference.
Stakeholder Management – Business /Risk/Accounts/Collections
Ensure Credit Quality and maintain the Credit Cost under control
Key Skills :
Company Profile
A Leading NBFC company, It is a one stop solution for all your --- needs
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