Branch Credit Manager – Vehicle Finance

Qollabb EduTech Pvt. Ltd.; Agra District; On-site; INR 800,000 - 1,200,000; Full time

Benefits offered by this job

Attractive performance-based Incentiv

Growth and career development

Professional work environment

Job summary

ITI Finance Limited is seeking an experienced Branch Credit Manager to oversee credit underwriting, risk assessment, and portfolio health for its Vehicle Finance business. The role requires strong financial analysis, policy-knowledge, and stakeholder collaboration.

You will evaluate loan applications, verify documentation, monitor NPA levels, and coordinate with sales and operations to ensure timely loan processing. 3–5 years in underwriting and familiarity with CIBIL reports are preferred.

Qualifications

• 3–5 years of relevant experience in Credit Underwriting or Risk Assessment.
• Vehicle Finance experience will be preferred.
• Strong knowledge of financial statement analysis and CIBIL reports.
• Good understanding of loan documentation and credit evaluation.
• Strong analytical, decision-making, and communication skills.
• Knowledge of local market demographics and commercial/personal vehicle financing.

Responsibilities

• Evaluate loan applications and assess customer creditworthiness.
• Conduct credit underwriting and risk assessments for vehicle finance loans.
• Analyze financial statements, income documents, and CIBIL reports.
• Verify customer details, assets, and loan documentation.
• Ensure compliance with company credit policies and regulatory guidelines.
• Monitor loan portfolios and maintain low NPA levels.
• Coordinate with sales and operations teams for smooth loan processing.
• Understand local market trends and vehicle buyers' financial profiles.

Skills

Credit underwriting

Risk assessment

Financial statement analysis

CIBIL reports

Loan documentation

Credit evaluation

Analytical skills

Decision making

Communication

Vehicle financing

Local market demographics

Education

BBA

BCA

Job description

ITI Finance Limited is looking for an experienced and result-oriented Branch Credit Manager to manage credit underwriting and risk assessment for its Vehicle Finance business. The ideal candidate should have strong financial analysis skills, knowledge of credit evaluation, and experience in maintaining a healthy loan portfolio.

Roles & Responsibilities

• Evaluate loan applications and assess customer creditworthiness.
• Conduct credit underwriting and risk assessments for vehicle finance loans.
• Analyze financial statements, income documents, and CIBIL reports.
• Verify customer details, assets, and loan documentation.
• Ensure compliance with company credit policies and regulatory guidelines.
• Monitor loan portfolios and maintain low NPA levels.
• Coordinate with sales and operations teams for smooth loan processing.
• Understand local market trends and vehicle buyers' financial profiles.

Required Skills & Qualifications

• 3–5 years of relevant experience in Credit Underwriting or Risk Assessment.
• Vehicle Finance experience will be preferred.
• Strong knowledge of financial statement analysis and CIBIL reports.
• Good understanding of loan documentation and credit evaluation.
• Strong analytical, decision-making, and communication skills.
• Knowledge of local market demographics and commercial/personal vehicle financing.

Key Benefits

• Attractive performance-based incentives.
• Growth and career development opportunities.
• Professional work environment.

Educational Qualifications

• BBA
• BCA

Required Skills

• Workplace Culture & Communication Risk Identification & Classification (E.G., Mortality, Market, Credit Risk)