Credit Manager - Car Finance

As a Credit Underwriter, your role involves reviewing and assessing a broad range of complex loan applications within defined guidelines to make decisions or recommend for approval to higher authorities. You will be responsible for underwriting proposals according to laid down policies & procedures to honor agreed Service Level Agreements (SLAs) and manage business volumes in your assigned city/ area. Conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents, and verifying information through telephonic, field, and collateral visits will be a crucial aspect of your responsibilities. Key Responsibilities: - Assess income to obligation ratios with in-depth knowledge of the rational behind ratio calculations and their impact on loan performance during the tenure. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS for the cluster, providing regular reports. - Build effective relationships with third parties to facilitate the best outcomes for clients. - Take ownership of client queries, leveraging industry knowledge and experience to overcome challenges and solve problems. - Exceed service quality standards and focus on continuous process improvement. - Undertake critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensure collateral and other credit risk mitigation to aid the approving authority in making decisions. - Enable quick turnaround time of credit lending proposals in collaboration with the sales team. - Conduct ongoing reviews of credit exposures to maintain bankable exposure levels. - Facilitate critical review and documentation of proposals, monitor client and collateral creditworthiness, and take steps for risk mitigation while ensuring adherence to legal and documentation norms and policies. - Manage the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in liaison with local credit analysts and the sales team. Qualification Required: - Post Graduate/ Graduate in any discipline In this role, you will play a critical part in the credit underwriting process, ensuring thorough assessment of loan applications while adhering to policies and procedures to mitigate risks effectively. Your ability to maintain strong relationships, analyze credit risks, and facilitate timely decision-making processes will be key to your success in this position.,