Area Credit Manager-Commercial Vehicle-Credit Appraisal-Chennai-Centennial Square-MM

You will be responsible for underwriting corporate finance business and managing the portfolio in your assigned area. Your main duties will include supporting and co-partnering with business teams to manage end-to-end credit approval for the designated region, underwriting cases and presenting them to senior levels, and authorizing deviations raised by underwriters in compliance with credit policy. Additionally, you will be finalizing the review of credit memos prepared by underwriters, approving or declining sign-offs on every file after checking for documentation requests, and approving all disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. You will also be monitoring and overseeing PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases, and initiating follow-ups with external vendors to ensure timely query resolution and report submission. Furthermore, you will be coordinating with the recoveries team to generate business insights, leading a team of credit approvers to ensure portfolio quality and minimize delinquencies, and engaging in the development, implementation, review, and monitoring of various credit programs. You will also provide training and coaching to continuously upgrade the competency of the team and improve the processing efficiency of the HUB. Your role will involve ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. You will be expected to evolve underwriting norms customized to the local market needs and ensure the continued enhancement and execution of consumer credit risk strategy. Ideally, you should have an MBA/PGDBA/PGPM/CA or equivalent qualification.,