Auto Loan | Regional Credit Manager

Role Purpose

• Underwriting strategy.
• Assess proposals basis usage.
• Understand and derive financial trends of applicants.
• Prepare management OR credit committee level approval proposals.
• Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies.

Accountability Cluster 1

• Adherence to turn around times (TAT) on customer loan requests, as per the agreed service level agreements (SLA)

Accountability Cluster 2

• Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance.

• Maintain system data quality.

Accountability Cluster 3

• Comprehensive profile study and financial analysis and proposal making.

• Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check.

Accountability Cluster 4

• Team monitoring, mentoring and appraisals.

Accountability Cluster 5

• Timely input on policy enhancements and optimization.

Accountability Cluster 6

• Knowledge of regulatory reporting on account status and monitoring.

Accountability Cluster 7

• Understanding market dynamics and frequent visits to customers.

• Portfolio monitoring and reporting to management and relevant stakeholders.