State Head- Credit

Role:

• Manage and engage with customers for Commercial Vehicles (CV) and Construction Equipment (CE) products with exposures ranging from 1 Cr to 5 Cr.
• Monitor portfolio performance with a focus on early delinquency trends (6-month) and long-term book performance (12-month) to identify quick mortality risks.
• Implement corrective measures to mitigate credit risks proactively.
• Conduct regular meetings to understand customer needs, credit behavior, and market dynamics.
• Review and approve credit deviations up to Level 2 as per the matrix.
• Ensure adherence to TAT for credit-related processes and approvals.
• Collaborate with Business team to improve sourcing quality by sharing the portfolio performance analysis.
• Liaise with the Collections team to identify negative indicators, market trends, and product-specific challenges.
• Provide actionable recommendations to strengthen credit policies and reduce delinquency rates
• Ensure strict compliance with credit policies, organizational guidelines, and regulatory requirements.
  

Responsibilities:

• TVR (tele verification report) with customer for less than 1 Cr exposure deals.
• Responsible for decisioning of all deals up to 60 Lakhs exposure.
• Responsible for Maintaining pre approval File quality - Credit related.
• Responsible Various MIS Circulation for the state - TAT MIS, Approval / Rejection MIS, Rejection Analysis.
• Meeting the critical OEMs (Original Equipment Manufacturer) and TA (Trade Advance) Dealers - State - to understand the business projection & market trend.
• Branch Credit Manager/Credit Co-Ordinator Team recruitment, Training and Monitoring.
• Conduct detailed risk assessment of borrower profiles, collateral, and market conditions to support sound credit decisions.
• Evaluate proposals with a risk-based approach, ensuring alignment with asset quality objectives and mitigating exposure to high-risk segments.
  

Educational Qualifications & Required Experience:

• Graduation (Mandatory)/ MBA/Post Graduation (Preferred).
• Minimum 9+ years relevant experience in NBFC (Preferred)/ Bank.
• Strong knowledge of Credit Underwriting experience in vehicle finance business