Assistant Credit Manager

Job Description

Credit Assessment: Evaluate creditworthiness of loan applicants based on financial information, credit reports, and other relevant data to determine eligibility for two-wheeler financing.

Analyze financial statements, income documents, and credit histories to assess borrowers ability to repay
loans and manage credit risk.

Credit Risk Analysis : Assess credit risk associated with loan applications, considering factors such as credit scores, debt-toincome ratios, loan-to-value ratios, and collateral valuation.

Identify potential risks, including default risk, fraud risk, and repayment risk, and recommend appropriate
risk mitigation strategies.

Credit Policy Compliance: Ensure compliance with credit policies, lending guidelines, and regulatory requirements in the evaluation and approval of two-wheeler financing applications.

Adhere to underwriting standards, credit limits, and loan terms established by the organization and
regulatory authorities.

Decision Making: Make informed credit decisions based on thorough analysis of credit data, risk assessment, and adherence to lending criteria and policies.

Determine loan approval, rejection, or modification based on credit risk assessment, borrower profile, and
loan parameters.

Documentation and Recordkeeping: Prepare and maintain accurate loan documentation, including loan agreements, security documents, and other legal forms, in compliance with internal policies and regulatory requirements.
Customer Interaction: Communicate credit decisions to loan applicants, providing explanations for approval or denial decisions
and addressing any inquiries or concerns.
Maintain professional and courteous communication with customers, dealerships, and internal stakeholders
throughout the credit evaluation process.
Credit Monitoring and Portfolio Management: Monitor the performance of existing loan portfolios, tracking repayment behavior, delinquency rates, and loan loss reserves.
Identify early warning signs of credit deterioration and take proactive measures to mitigate risk and preserve asset quality.
Continuous Improvement: Stay abreast of industry trends, best practices, and regulatory changes related to credit risk management and underwriting practices.
Participate in training programs, workshops, and professional development activities to enhance knowledge and skills in credit analysis and risk assessment.

Qualification

Bachelor s degree in finance, accounting, business administration, or related field; master s degree or professional certification (e.g., CFA, FRM) preferred.
8+ years of experience in credit analysis, underwriting, or risk management roles in the financial services industry, preferably in NBFCs or banks.
Strong analytical skills, with the ability to interpret financial data, evaluate credit risk, and make sound credit decisions.
Knowledge of lending principles, credit policies, and regulatory requirements governing two-wheeler financing.
Proficiency in financial analysis tools, credit scoring models, and risk assessment techniques.
Excellent attention to detail, accuracy, and organizational skills, with the ability to manage multiple tasks and prioritize workload effectively.
Strong communication and interpersonal skills, with the ability to interact with customers, dealerships, and internal stakeholders professionally and courteously.
Ability to work independently, exercise judgment, and make decisions within established guidelines and policies.
Commitment to ethical conduct, integrity, and compliance with legal and regulatory standards in credit operations.