Credit Manager Vehicle Loans Job in Talent Leads Hr Solutions Pvt Ltd

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