Area Credit Manager - Commercial Vehicle

HDB Financial Services Ltd.; Siliguri; On-site; INR 800,000 - 1,800,000; Full time

Job summary

HDB Financial Services Ltd. is seeking a seasoned credit professional to underwrite and sanction CV loan proposals, monitor portfolio health, and ensure regulatory compliance across the assigned area in Siliguri.

The role involves leading a team of Credit Managers, coordinating with sales, and driving timely approvals and quality credit decisions. Ideal candidates will have 8–10 years of experience in secured/unsecured financing, excellent communication skills, and a high level of self-drive and

Qualifications

• Excellent communication skills and professional demeanor.
• 8–10 years of experience in secured/unsecured financing is required.
• Strong self-drive and enthusiasm for targets and results.

Responsibilities

• Maintain corporate credit policy per product policy.
• Monitor portfolio health and cost management.
• Audit and regulatory compliance for the assigned area.
• Underwrite, appraise and sanction CV loan proposals.
• Lead and train a team of Credit Managers and oversee delinquency control.

Skills

Communication

Team leadership

Self-motivation

Education

Graduate or Post Graduate in Marketing/Finance/CA

Job description

Job Role

Key functions will be:

• Responsible for underwriting credit appraisal, Disbursement of CV loan proposals.
• Monitoring / tracking & escalation of adverse new events in the portfolio of the assigned Area.
• Credit Appraisal and Sanctioning of CV loan proposals.
• Handling a Team of Credit Managers and monitoring business.
• Analysis and resolution of delinquency and working closely with Sales team.
• Analyzing Higher Value cases and processing it for approvals.
• Personal discussion, monthly market visits to various financiers, dealers etc.
• Analysis - quantitative and qualitative of requests for loans and lines of credit.
• Keeping tap on each branchs delinquency / PDD level, ensuring / taking corrective action prior to its reaching its bench mark.
• Responsible for Audit and Regulatory compliance for the assigned Area.
• Effectively assessing credit risk and (current and potential) client viability.
• Training and co-ordinating with the Team for timely effective process.

Key Responsibilties

• Responsible for maintaining the corporate credit policy as per the parameters laid down in Product Policy.
• Responsible for Effective Cost Management.
• Understanding & Managing Healthy Portfolio.

Mandatory skills

• Graduate or Post Graduate in Marketing/Finance / CA or any other field
• 8 - 10 yrs experience in Secured/Unsecured products financing is a must.
• Good communication and pleasing personality.
• High level of Self Drive/Enthusiasm.