Credit Manager - Car Finance

Tata Capital Ltd is looking for Credit Manager - Car Finance to join our dynamic team and embark on a rewarding career journey. Credit Assessment : Evaluate the creditworthiness of applicants seeking financing for used cars, considering financial statements, credit reports, and other relevant information. Risk Management : Assess and manage credit risk associated with used car financing, staying informed about market trends and industry developments. Loan Approval : Make credit decisions, approve or decline loan applications, and establish appropriate terms and conditions. Credit Policy Compliance : Ensure compliance with the organization's credit policies, regulatory requirements, and industry best practices. Customer Interaction : Communicate credit decisions to customers, providing clear explanations and addressing inquiries or concerns. Portfolio Management : Monitor the performance of the used car financing portfolio, identifying potential risks and implementing strategies for mitigation. Collaboration : Collaborate with sales, collections, and other departments to streamline credit processes and enhance overall customer experience. Documentation : Maintain accurate and complete documentation of credit decisions, terms, and conditions. Reporting : Generate and analyze reports on credit portfolio performance, delinquency rates, and other key metrics