Credit Manager - Auto loan - Noida/Delhi

Axis Bank; Dadri, Delhi; On-site; INR 600,000 - 900,000; Full time

Job summary

Axis Bank is seeking a Credit Officer - AL in India to manage core underwriting for Auto loans across DSA dealers, branches and digital channels.

You will drive approval rates against annual targets, monitor login-to-sanction Turnaround Time (TAT) for all products, and oversee location-wise risk signals and audit processes. The role includes training, process improvement, vendor management, and collaboration with CPC and Credit management teams.

Qualifications

• Knowledge of credit, industry and product trends.
• Knowledge of regulatory guidelines and norms.
• Good communication (verbal and written) skill in both English and the local language.

Responsibilities

• Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
• Turnaround time (TAT) from Login to Sanction- Login to Sanction for all products as confirmed.
• Early Warning Signal- Location wise FPD for term Loans- Location-wise FPD % for Business Loan as confirmed.
• Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
• Training, Process improvement, Special assignment, support provided to Existing CPC,policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations & products.
• Stakeholder management

Skills

Credit awareness

Industry trends

Regulatory guidelines

Communication skills

Bilingual (English)

Job description

Role & responsibilities

The Credit Officer - AL manages core underwriting for Auto loan, Underwriting will be for different channels like DSA dealer, Branch, Digital.

• Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year.
• Turnaround time (TAT) from Login to Sanction- Login to Sanction for all products as confirmed.
• Early Warning Signal- Location wise FPD for term Loans- Location-wise FPD % for Business Loan as confirmed.
• Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted
• Training, Process improvement, Special assignment, support provided to Existing CPC,policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations &products. Feedback from Head Credit - & Other stake holders will be the source.
• Stakeholder management

Preferred candidate profile

For successful execution of the job, the candidate should possess:

• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language