Credit Manager Commercial Vehicle Credit Appraisal

• Prepare/amend the note/financial model with correct information (gathered via the business team, public domain, or other resources).
• Prepare the credit note comprising of the detailed transaction structuring/assessment with a focus on the assessment part of the sought credit facility.
• Undertake regular interaction with collections/sales to track delinquencies. Study delinquent cases to derive learning and share the same with the team.
• Meet customers (retail & strategic) at regular intervals to understand various industries and markets.
• Pre-approve and rate all clients with exposure greater than Rs. 500L. Conduct regular training sessions for sales/channel partners/field sales staff on various product policies and processes.
• Control and monitor post-disbursement documents such as invoices, insurance, and RC by interacting with sales and customers.
• Manage the portfolio to ensure requisite quality of documentation, post-disbursal documents, and delinquency levels.
• Work on projects and process improvements from time to time.
• Critically evaluate the transaction risk, business and financial risk of the borrower, and industry risk involved in any given industry.
• Identify relevant and associated risks and submit appropriate mitigation strategies for each.
• Perform detailed financial analysis, attending to all major movements in P&L and balance sheets, while ascertaining and citing the precise reason for such movements.
• Prepare the credit note comprising the structure of the transaction and the view of credit, detailing risks and mitigants.
• Conduct detailed financial appraisal covering the business model, working capital cycle, profitability, etc.
• Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus areas, and portfolio health.
• Identify automation opportunities in existing processes and new product development.
• Ensure high quality of credit underwriting.
• Raise early warning signals for the exit of stress accounts and take due measures for timely exit.
• Ensure minimal audit queries, including RBI and statutory audits, and resolve the same within prescribed timelines.
• Maintain through market knowledge of CE/CV market practices.
• Actively participate in customer visits.
• Provide regular MIS on market intelligence.

Qualifications -

• Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.