Regional Credit Manager - Two Wheeler Finance Credit

TWF Regional credit manager

Job summary

The role involves leading and managing a two-wheeler loan portfolio within a specific region - UP and Eastern States.

Responsibilities include driving business growth, ensuring portfolio quality, and managing a team of credit professionals.

• Credit Management & Portfolio Quality

• Oversee the credit process for two-wheeler loans, from appraisal to collection.
• Evaluate applicant creditworthiness using financial data, reports, and other information.
• Analyze financial information to assess repayment ability and manage risk.
• Ensure adherence to credit policies, guidelines, and regulations.
• Monitor the credit portfolio for quality and early warning signs.
• Track deviations and delinquencies to implement corrections.
• Analyze delinquent cases and data for proactive risk management.

• Business Development & Strategic Partnerships

• Partner with the business team to meet targets.
• Maintain relationships with dealerships, OEMs, and other regional stakeholders.
• Identify and analyze new markets in the region.
• Promote the company's products to partners and customers.

• Team Leadership & Development

• Lead and manage credit approvers, providing guidance and training.
• Ensure team performance meets expectations.
• Arrange training on credit scrutiny, KYC, and process adherence.
• Conduct performance evaluations and provide feedback.

• Operations & Compliance

• Set up and monitor processes for vendor and PDD management, staffing, and security creation.
• Ensure turnaround times are met.
• Coordinate with external agencies.
• Ensure audit compliance.
• Collaborate with internal teams like sales, operations, and legal.
• Lead post-disbursement document and covenant compliance.

Specific field and industry experience is needed, as well person who knows local profile and geography shall be preferred.