Head - Credit-Vehicle loans (CV, Car, Farm equipment and TW)

Role Overview: You will be responsible for developing and maintaining credit risk strategy and policy by continuously analyzing business expansion and collection trends, as well as assessing and mitigating risks. Additionally, you will plan the credit underwriting vision and outlook, create credit and underwriting policies and processes, develop and deploy underwriting models, and conduct portfolio studies of outstanding advances. Key Responsibilities: - Develop and maintain credit risk strategy and policy through continuous analysis of business expansion and collection trends - Plan credit underwriting vision and outlook, create credit and underwriting policies and processes, and develop underwriting models - Conduct portfolio studies of outstanding advances and lead credit tightening initiatives to manage delinquencies while ensuring business profitability - Manage the product function, product design, portfolios, and performance - Ensure timely regulatory and other compliances - Manage Credit TAT as per defined guidelines - Develop strong internal and external relationships - Prepare Risk and Credit Decks on a monthly basis - Represent the company to external stakeholders, including lending partners, board of directors, and strategic alliances Qualification Required: - Education: CA/MBA in finance - Specialized Knowledge: Credit exposure of at least INR 10000-12000 Cr. in Vehicle loans (CV, Car, Farm equipment, and TW) wheels portfolio management - Skill Set (Must): Excellent Communication Skills, Formulation of new policies/products, processes, scorecards, and monitoring mechanisms, Leadership Skills, Team Management - Skill Set (Desired): Technical Skill in Credit Scoring Models, Tools & Automation - Professional Certificate (If Any): Certified Credit Executive (CCE), Certified Credit Professional (CCP) - Experience Range: 15+ Years - Preferred Industry: NBFC / Banking - Language proficiency: Hindi & English Role Overview: You will be responsible for developing and maintaining credit risk strategy and policy by continuously analyzing business expansion and collection trends, as well as assessing and mitigating risks. Additionally, you will plan the credit underwriting vision and outlook, create credit and underwriting policies and processes, develop and deploy underwriting models, and conduct portfolio studies of outstanding advances. Key Responsibilities: - Develop and maintain credit risk strategy and policy through continuous analysis of business expansion and collection trends - Plan credit underwriting vision and outlook, create credit and underwriting policies and processes, and develop underwriting models - Conduct portfolio studies of outstanding advances and lead credit tightening initiatives to manage delinquencies while ensuring business profitability - Manage the product function, product design, portfolios, and performance - Ensure timely regulatory and other compliances - Manage Credit TAT as per defined guidelines - Develop strong internal and external relationships - Prepare Risk and Credit Decks on a monthly basis - Represent the company to external stakeholders, including lending partners, board of directors, and strategic alliances Qualification Required: - Education: CA/MBA in finance - Specialized Knowledge: Credit exposure of at least INR 10000-12000 Cr. in Vehicle loans (CV, Car, Farm equipment, and TW) wheels portfolio management - Skill Set (Must): Excellent Communication Skills, Formulation of new policies/products, processes, scorecards, and monitoring mechanisms, Leadership Skills, Team Management - Skill Set (Desired): Technical Skill in Credit Scoring Models, Tools & Automation - Professional Certificate (If Any): Certified Credit Executive (CCE), Certified Credit Professional (CCP) - Experience Range: 15+ Years - Preferred Industry: NBFC / Banking - Language proficiency: Hindi & English