Area Credit Manager

HDB Financial Services; Mandsaur; On-site; INR 900,000 - 1,200,000; Full time

Job summary

HDB Financial Services Ltd. is seeking a credit risk professional to strengthen the consumer credit risk framework in the automotive finance segment.

The role covers due diligence in credit analysis, screening, underwriting and sanctioning of loans, with emphasis on regulatory compliance and fraud control. You will enhance risk management capabilities, manage the credit asset portfolio and oversee predictive portfolio performance development, including analytics, triggers and forecasting.

Qualifications

• Experience in credit analysis, screening applications, underwriting and sanctioning loans.
• Experience in consumer credit risk strategy development.
• Ability to enhance risk management in automotive finance and fraud control per regulations.

Responsibilities

• Due Diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
• Responsible for the continued enhancement and execution of consumer credit risk strategy.
• Enhance the risk management capabilities in the automotive finance business by managing the consumer credit asset portfolio, manage various risks, implement effective mechanisms to mitigate them and frame guidelines for fraud detection & control as per regulatory requirements and leading industry practices.
• Manage credit buying process which monitors turnarounds, approvals, review of samples, Quality checks on process.
• Assist in Predictive Portfolio Performance Design and Implementation including development of analytic frame work, performance trigger and predictive forecasting triggers in portfolio management
• Conduct quantitative validations, understanding & management of Credit Risk, Pricing and Risk measurements.
• Responsible for smooth flow of process relating to credit
• Understanding & management of Credit Risk, Pricing and Risk measuremen

Skills

Credit risk analysis

Credit underwriting

Portfolio management

Job description

• Due Diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
• Responsible for the continued enhancement and execution of consumer credit risk strategy.
• Enhance the risk management capabilities in the automotive finance business by managing the consumer credit asset portfolio, manage various risks, implement effective mechanisms to mitigate them and frame guidelines for fraud detection & control as per regulatory requirements and leading industry practices.
• Manage credit buying process which monitors turnarounds, approvals, review of samples, Quality checks on process.
• Assist in Predictive Portfolio Performance Design and Implementation including development of analytic frame work, performance trigger and predictive forecasting triggers in portfolio management
• Conduct quantitative validations, understanding & management of Credit Risk, Pricing and Risk measurements.

• Responsible for smooth flow of process relating to credit
• Understanding & management of Credit Risk, Pricing and Risk measuremen