Regional Credit Manager - CV & CE-COMMERCIAL VEHICLE-Credit Common Cost Allocation - CV,CE & SA

Key Responsibilities.

• Credit Underwriting & Risk Management

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Assess creditworthiness of commercial vehicle loan applicants, conduct thorough credit analysis, and evaluate financial risk to ensure sound decision-making.

• Team Leadership

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Manage and guide a team of credit professionals or underwriters, providing training and direction on credit policies and processes.

• Business Growth & Dealership Relations

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Work with sales teams and maintain strong relationships with dealerships to drive business volume for commercial vehicle loans.

• Policy Adherence & Compliance

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Ensure strict adherence to internal credit policies, regulatory requirements, and service level agreements (SLAs).

• Portfolio Management

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Monitor and control delinquencies by proactively contacting customers, ensuring timely loan processing, and resolving customer issues.

• Process Improvement

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Recommend and implement process changes to enhance efficiency, improve service quality, and drive operational excellence.

Qualifications & Skills

• Experience

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Typically requires 14+ years of experience in credit management, specifically within auto or commercial vehicle finance, or a related BFSI role.

• Education

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Qualifications such as CA, ICWAI, or an MBA/PGDM from a reputable institution are often preferred.

• Technical Skills

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Strong proficiency in credit analysis, risk assessment, and underwriting principles for commercial vehicles.

• Soft Skills

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Excellent analytical, communication, and leadership skills, with the ability to build and maintain relationships.