Credit Manager-Used Cars

Job Requirements

Job Requirements

Role/ Job Title:

Function/ Department

Job Purpose

Roles & Responsibilities

• Evaluating the financial performance of dealers through analysis of dealer’s performance vis a vis industry performance and financial statement analysis using financial ratios.
• Preparation of Credit Proposal Note and Credit Recommendation of Inventory Funding Limit (IF) for New Dealers as well as existing dealers.
• Preparation of proposal of retail surrogate plan and review of retail business.
• Managing and following up for credit & business commitments to ensure that they are consistent with the bank’s business needs and objectives.
• Determining the key credit risks and mitigating factors while evaluating the proposal.
• Monitoring of credit limit by way of Overdue Tracking, Stock Audit monitoring and other related MIS.
• Preparation and Maintenance of Master Database and various MIS.
• Regular follow up on overdue cases and highlighting concern dealer accounts having low retails, irregularity in repayments etc.
• Interaction with dealers, Inventory & Retail Sales Managers and Market Intelligence.
• Stock Audit monitoring and initiating the corrective action in case of stock gaps and fund diversion
  

Education Qualification

:

Experience