Regional Credit Manager Strategic Accounts Motor Finance, TCL

Job Description

Role & responsibilities

Credit Underwriting of Strategic MF Customer loans and their timely sanction / closure for the region

Monitor Portfolio quality and risk management across the region on regular basis on various risk parameters: DPD, NPA, bounce rates, and delinquency trends.
Analysis of ED (Early Delinquency)/ Non-Starters/ PNS
Implementation of the Credit policy, process control, credit compliance and risk guidelines for the region
Handle a team of ACMs/CMs/Credit Officers/Associates in terms of train/monitor/control/motivate and engage
Hands-on market knowledge by communicating & maintaining co-ordination with other financers to stay updated on financing traits, market understanding, customer visits, feedback, new schemes launches, competitor policies, asset quality trends etc which helps in continuous improvement in underwriting quality.
MIS reporting and compliance: Publish weekly/monthly MIS on approvals, declines, portfolio risk, geography-wise performance; ensure accurate and timely system updates for underwriting decision; facilitate internal audits, compliance checks, and regulatory inspections for the region.
Keep track on performance of self and drive the team to enable positive results on KPIs

Preferred candidate profile

Strong understanding of CV finance, route economics, used/new CV valuation.
In-depth knowledge of financial analysis, GST profiling, and credit risk profiling.
Knowledge of KYC regulations, RBI norms for NBFCs, and risk governance frameworks.
Good interpersonal and communication skills across cross-functional teams.
Strong analytical, decision-making, and problem-solving abilities.
Ability to handle high-volume credit workload under tight timelinesregulatory inspections for the region.
Keep track on performance of self and drive the team to enable positive results on KPIs