1549 Credit Management Jobs - Page 20

Job Description Position: Sales Operations Analyst Experience: 2 to 5 years Academic Requirement: Bachelors degree (B com, B -tech) Compensation: As per market standards Hiring Manager: Jalna Location: Pune Probation: 6 Months Skills: ERP & Financial Systems Proficiency : Experience with platforms like SAP, Oracle, BC, or similar for order management, invoicing, and financial processes. Advanced Excel Skills: Ability to use formulas (VLOOKUP, SUMIF, IFERROR), pivot tables, data validation, and spreadsheets for tracking sales, and financial reconciliations. Invoice & Credit Management: Skilled in processing sales invoices, credit notes, debit notes, and handling customer portals. Data Management & Cleansing : Accuracy in handling large datasetssales orders, purchase orders, financial recordsand ensuring data integrity. Accounts Payable/Receivable Operations: Hands-on experience with payment processing, credit control, cash receipt handling, and reconciliation. Reporting Tools: Ability to create and maintain reports like sales comparisons, and weekly trackers Strong understanding of Commercials terms : Hands-on experience in managing Incoterms, structuring payment terms, developing pricing mechanisms, and handling contractual obligations Others: This role acts as a critical link between sales, finance, logistics, and the customer. The person ensures that orders are processed accurately, invoices are managed correctly, customer payments are tracked, and operational data is clean and up to date. It combines strong administrative rigor with financial understanding and supply chain awareness. About Company: CT Automotive Group plc is a leading designer, developer and supplier of interior components to the global automotive industry. The Group is headquartered in the UK with a low-cost manufacturing footprint. Key production facilities are located in China and are complemented by additional manufacturing facilities in Turkey, Mexico and the Czech Republic. CT Automotive's operating model enables it to pursue a price leadership strategy, supplying high quality parts to customers at a lower overall landed cost than competitors. The Group supplies interior components to over 50 different models for nearly 20 world's leading automotive original equipment suppliers ("OEMs") and global Tier One manufacturers. End customers include volume manufacturers, such as Ford, Nissan, Skoda and luxury car brands such as Bentley and Lamborghini. The Group has listed on the Alternative Investment Market in December 2022. Key Responsibilities: Sales & Order Processing Process orders for serial supply from all the sites Handle daily and weekly sales from multiple warehouses Process sales orders and credits, including special handling for customers Financial Operations & Invoicing Process and reconcile invoices. Manage Accounts Payable in systems. Process tooling invoices and collaborate with internal teams. Upload invoices to customer portals and issue Proforma invoices where required. Manage credit notes, chargebacks, and pricing-related invoices. Accounts Receivable & Credit Control Receipt cash and apply payments from customers. Chase payments and remittances proactively. Attach remittance advice to payments. Put customers on credit hold ("stop") when necessary and notify operations. Liaise with quality and claims teams regarding customer claims. Reporting & Reconciliation Reconcile SSNI reports on a daily/weekly basis. Update and maintain sales trackers, weekly sales comparisons, spreadsheets. Reconcile SBIs for customers. Manage data cleansing for sales invoices, credit notes, sales orders, and purchase orders. Administrative & Coordination Tasks Handle price queries and resolve discrepancies. Liaise with global offices regarding financial or operational queries. Set up and approve payment transfers. Additional Requirements Fluency in English : Must be extremely fluent in English with excellent communication skills. Location : Willingness to work from Pune, India. Team Player : Ability to work effectively within a global cross functional team and across different cultures and time zones. CT AUTOMOTIVE INDIA

Primary Skills: SAP FSCM (Financial Supply Chain Management) Expertise in configuring and implementing SAP FSCM modules. Understanding of financial processes related to credit, collections, dispute management, and treasury. Credit Management Setup and configuration of SAP Credit Management (SAP CM). Credit scoring, risk assessment, and exposure management. Integration with SAP SD for real-time credit checks. Dispute Management Implementation of SAP Dispute Management for efficient case resolution. Workflow automation for dispute tracking and collaboration. Collections Management Configuration of collection strategies and automated reminders. Worklist creation for collection agents and follow-ups. Biller Direct Implementation of SAP Biller Direct for online invoicing and payments. Enhancing user experience with self-service billing portals. Treasury and Risk Management (TRM) Experience in SAP TRM for cash flow forecasting and investment management. Exposure to market and credit risk management within SAP. - Grade Specific Secondary Skills: SAP FI (Financial Accounting) Integration SAP SD (Sales and Distribution) Integration Knowledge of S/4HANA Finance Workflow Configuration Strong Communication and Stakeholder Management Skills

Project Role : Software Development Lead Project Role Description : Develop and configure software systems either end-to-end or for a specific stage of product lifecycle. Apply knowledge of technologies, applications, methodologies, processes and tools to support a client, project or entity. Must have skills : SAP Sales and Distribution (SD) Good to have skills : NAMinimum 7.5 year(s) of experience is required Educational Qualification : 15 years full time education"Skill:SAP Sales and Distribution having played the lead role for 5-6 years (and total 12-15 years experience) well versed with Sales order Processing, Delivery, Billing, Pricing, and Credit Management. Well versed with Customer and Vendor Master Data, . Possesses strong expertise in SAP Systems Integration, particularly in the SD module and its integrations across various modules and systems:1. Lead the Order-to-Cash (OTC) tower leading both AMS and AD for this tower. Deliver AMS and AD successfully 2. Work as 2 in a box with client stake holder and ensure that business objectives are met aligning to agreed scope, solution. Regularly engage with clients through meetings and feedback sessions to address concerns, discuss performance, and identify opportunities for improvement. Ensure clear communication and collaboration to foster long-term partnerships" Qualification 15 years full time education

Project Role : Application Lead Project Role Description : Lead the effort to design, build and configure applications, acting as the primary point of contact. Must have skills : SAP Sales and Distribution (SD) Good to have skills : NAMinimum 7.5 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As an Application Lead, you will lead the effort to design, build, and configure applications, acting as the primary point of contact. Your day will involve overseeing the application development process and ensuring effective communication with stakeholders. Roles & Responsibilities:- Expected to be an SME- Collaborate and manage the team to perform- Responsible for team decisions- Engage with multiple teams and contribute on key decisions- Provide solutions to problems for their immediate team and across multiple teams- Lead the application development process effectively- Ensure timely delivery of projects- Provide guidance and mentorship to team members Professional & Technical Skills: - Must To Have Skills: Proficiency in SAP Sales and Distribution (SD)- Strong understanding of SAP modules integration & AATP skill. Experience in SAP implementation projects- Knowledge of SAP best practices- Hands-on experience in SAP customization and configuration Additional Information:- The candidate should have a minimum of 7.5 years of experience in SAP Sales and Distribution (SD)- This position is based at our Bengaluru office- A 15 years full-time education is required Qualification 15 years full time education

Experience : 5 + years Expected Notice Period : 15 Days Shift : (GMT+05:30) Asia/Kolkata (IST) Opportunity Type : Remote ,New Delhi,Bengaluru,Mumbai Must have skills required: ActiveCampaign, AI, GPT, Juniper Square, CRM, Google Workspace, Notion, Yardi, Zapier Take ownership of our systems architecture and play a foundational role in operational scale Build the tools and automations that power a modern, data-driven investment platform Work closely with the executive team and gain visibility across business units Enjoy autonomy, flexibility, and a high-trust, results-focused team culture Competitive compensation based on experience and strategic impact We are seeking a systems-driven professional to join us as Head of Systems & Workflow Automation. This is a strategic and implementation-focused role responsible for owning our internal technology stackfrom process discovery and design to full deployment, integration, and automation. You will lead the effort to understand our real estate, marketing, and investor operations workflows, identify points of friction or inefficiency, and implement technology solutions that simplify execution and ensure data flows cleanly across tools. A key part of your role will be building automated data connections across systems and maintaining a centralized Notion-based company dashboard to ensure real-time visibility and team-wide coordination. Core Mission Own the implementation and performance of Aptas technology infrastructure by: Designing and deploying efficient, simplified workflows between departments and platforms Automating data flow between systems (e.g., CRM, investor portals, Google Workspace, Yardi, Agora) and into centralized dashboards in Notion Translating business processes into scalable, tech-enabled solutions that support day-to-day execution and decision-making Key Responsibilities Tech Stack Ownership and Implementation Lead implementation, integration, and ongoing management of core business platforms, including Notion, Slack, Google Workspace, Juniper Square, Yardi Breeze Premier, Agora, and our CRM Serve as the point person for all internal platform configuration and system enhancements Process Mapping and Workflow Design Work with each team function (marketing, investor relations, acquisitions, asset management) to map operational workflows and identify opportunities to streamline processes Design and implement simplified, standardized workflows across platforms that reduce friction and improve handoffs Cross-System Integration and Automation Build and maintain automations using Zapier or equivalent tools to eliminate manual entry, increase accuracy, and connect siloed tools Automate structured data transfer from external platforms into a Notion-based dashboard used across the company Documentation, Training, and Adoption Document systems architecture, SOPs, and platform usage guidelines for each major process Deliver live training and onboarding for internal users and serve as a support resource for troubleshooting system issues Reporting, Governance, and Optimization Ensure system accuracy, data governance, and real-time reporting integrity across all platforms Regularly assess platform usage, functionality gaps, and data flow, and implement ongoing improvements AI and Innovation Enablement Explore and implement intelligent tools (e.g., AI assistants, GPTs, internal automations) that accelerate business operations What Were Looking For Required Skills and Experience 5+ years in systems enablement, technical operations, or RevOps/MarketingOps roles Experience managing business platforms and integrating cross-functional workflows Proven ability to automate data movement between systems and into shared dashboards (especially using Zapier or similar tools) Deep familiarity with CRM tools (HubSpot, ActiveCampaign, or equivalent), platform APIs, and structured data Exceptional systems thinking and the ability to map, simplify, and scale operational processes Strong documentation and communication skills; comfortable leading internal trainings and writing SOPs Self-motivated and highly organized, capable of managing multiple initiatives in parallel Preferred Qualifications Experience with Notion as a central operations dashboard or team knowledge hub Exposure to real estate tech platforms such as Yardi Breeze Premier, Juniper Square, Agora Background working with high-performance teams in fast-paced or entrepreneurial environments Familiarity with AI or GPT-based automations as applied to business process enablement

Project Role : Application Lead Project Role Description : Lead the effort to design, build and configure applications, acting as the primary point of contact. Must have skills : SAP FSCM Credit Management Good to have skills : NAMinimum 7.5 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As an Application Lead, you will lead the effort to design, build, and configure applications, acting as the primary point of contact. You will be responsible for overseeing the entire application development process and ensuring its successful implementation. Your role will involve collaborating with cross-functional teams, managing the team's performance, and making key decisions. You will also provide solutions to problems for your immediate team and across multiple teams, contributing to the overall success of the project. Roles & Responsibilities:- Expected to be an SME- Collaborate and manage the team to perform- Responsible for team decisions- Engage with multiple teams and contribute to key decisions- Provide solutions to problems for their immediate team and across multiple teams- Lead the effort to design, build, and configure applications- Act as the primary point of contact for the project- Oversee the entire application development process Professional & Technical Skills: - Must To Have Skills: Proficiency in SAP FSCM Credit Management- Good To Have Skills: Experience with other SAP modules- Experience with using Multi-Bank Connectivity (MBC) product for customer payments- Strong understanding of financial credit management processes- Experience in implementing credit management solutions- Knowledge of SAP FSCM integration with other modules- Ability to analyze and troubleshoot credit management issues Additional Information:- The candidate should have a minimum of 7.5 years of experience in SAP FSCM Credit Management- This position is based at our Bengaluru office- A 15 years full-time education is required Qualification 15 years full time education

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Key Objective of the Job: Credit analysis of proposal and preparation of credit notes. Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality. Meeting new customers and existing customers on regular basis Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures Ensure continuous monitoring for all high value exposures in the region. Major Deliverables: Quality of Credit Underwriting Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc Portfolio Monitoring To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc To raise early warning signals for exit of stress accounts and take due measures for timely exit. To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Key Deliverables: Lead generation Ensure necessary leads are generated through CRE's and channel partners/open market Customer relationship management Develop and maintainrelationship with existing and potential customers Educates customers with information to build their understanding of issues and capabilities Goes beyond their day-to-day work to assist customers in a positive manner Dealer relationship management Maintain relationship with local dealerships, TML dealers and local territory managers of TML Data management Maintain all relevant data related to TML retail and TMF market share at assigned territories and report the same to Zonal Sales head Team Management: Manage a team of CRE's including target setting, dealer allocation, and performance management Training and guiding CRE's Ensure all BDMs and dealer sales team are aware of policies related to TMF product offerings Makes sure self and team adheres to the team's expectations and guidelines, fulfills teams responsibilities, demonstrates personal commitment to the team Education Qualification: Preferably Graduate Specialized job competencies: Functional Competencies Communication Skill Negotiation Skill Market/ Industry Knowledge Analytical Skill Product Knowledge Behavioral Competencies Execution Excellence Customer Centricity Fostering Synergy People Leadership Hiring Parameters: Good communication skill Compliance Orientation Process Management

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable).

10795 To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

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

Responsibilities & Key Deliverables Revenue Growth: Responsible to identify, develop and implement sales strategy to achieve planned volumes to gain market share in operating market Evaluate and forecast industry trends to develop robust business plan to achieve the revenue growth. Profitable Growth: Deploy method to achieve profitable and sustainable growth through credit management, utilization of scheme budgets and logistics cost reduction. Overseeing the company performance on PAN India basis and providing guidance to the team to achieve the bottom-line target YoY. Dealer Management: Responsible to drive performance through dealer, ensure incremental business and dealer profitability to have sustainable business model Build and retain positive relationship with key stakeholders to drive selling. Customer focus: Develop and implement innovative ways to build delightful customer experience and ensure all adherence and improvement metrices scores of customer carefunctions. Responsible to set up the direction to the team, drive strategic interventions pertaining to product launch and market development, oversee and provide input development. Critically evaluate and review the team performance and develop mechanism to reward and highlight exemplary performance of team. Constantly evaluating the option of identifying avenues to generate revenue through secondary channel and spares Preferred Industries Sales Engineering 3 Wheeler Automobile Automotive Industry Education Qualification MBA; Bachelors of Technology; Bachelor of Engineering General Experience 2-6 yrs experience in automobile sales and mktg (pref in International Markets) Critical Experience System Generated Secondary Skills

Position - Area Credit Manager - UCV Finance - Motor Finance - Credit - Prestige Libra - JM 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 Education Qualification: MBA/CA / ICWA / CS / M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/ Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Ability to work under pressure Should have problem Solving Skill.