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