Area Credit Manager

As a Credit Manager, your primary responsibilities will include underwriting credit appraisal and disbursement of CV loan proposals. You will be tasked with monitoring and tracking adverse new events within the assigned area's portfolio. Credit appraisal and sanctioning of CV loan proposals will be a crucial part of your role. Moreover, you will lead a team of Credit Managers, overseeing their performance and the overall business monitoring process. Your analytical skills will be put to the test as you delve into delinquency issues and collaborate closely with the Sales team. Handling higher-value cases and facilitating their approval will also be part of your duties. Personal discussions and regular market visits to financiers, dealers, and other relevant stakeholders will be necessary for a comprehensive analysis of loan requests. Keeping track of branch delinquency and taking corrective actions to maintain desired performance levels will be essential. Additionally, you will be responsible for ensuring audit and regulatory compliance within the assigned area. Assessing credit risk and evaluating client viability will require your attention to detail and sound judgment. Training and coordinating with your team to streamline processes and ensure timely execution will be vital. Maintaining the corporate credit policy in line with product guidelines, effective cost management, and nurturing a healthy portfolio will be key focus areas for you. Your role will involve a balance of strategic decision-making, risk assessment, and operational efficiency to drive success in credit management.,