Area Credit Manager - Commercial Vehicle - Strategic Accounts - Credit - Lucknow - Ratan Square - (M4-M6)

Key Objective of the Job:

To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions.Top of Form

Key Deliverables:

• Timely due diligence of the funding proposals of the branches
• Ensuring the Credit policy implementations
• Managing and supervising FI agency/ valuation agency operations
• Ensuring quality portfolio of the branches within the set parameters
• Conducting training for FI/Channels and cross verticals at regular intervals
• Visiting Channels/ Branches and customers at regular intervals
• Handling a team of Credit Managers and associates
• Providing market feedback through fieldd visits and networking with Credit counterparts of competition
• Providing inputs for localized schemes based on market dynamics and delinquency studies
• Audit of files and Process and taking corrective measures
• Complying to audit Queries
• Keep track on performance of self and drive the team to enable positive results on KPIs
• Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting