Credit Manager-Commercial Vehicle

IDFC FIRST Bank; Vapi; On-site; INR 800,000 - 1,200,000; Full time

Job summary

IDFC FIRST Bank is seeking a Credit Manager-Commercial Vehicle in the Retail Underwriting function. The role requires leading a team and coordinating with the sales force to meet regional targets, while validating creditworthiness and adhering to the bank's credit policy.

Responsibilities include underwriting CV & CE proposals, engaging with customers to assess credit risk, and managing the portfolio, in collaboration with Sales, Technology, Analytics, Risk, and Policy teams.

Qualifications

• Underwrite CV & CE proposals per bank policies and SLAs.
• Conduct personal discussions to assess credit worthiness.

Responsibilities

• Underwrite CV & CE proposals as per policies and procedures.
• Portfolio management responsibilities.
• Drive cooperation with Sales, Technology, Analytics and Risk teams.
• Partner with Policies team to ensure decisions align with framework.

Skills

Underwriting CV/CE

Credit assessment

Customer discussions

Education

Graduation: Any

Post-graduation: Any

Job description

Job Requirements

Job Requirements

Job Requirements

Role/ Job Title: Credit Manager-Commercial Vehicle

Function/ Department: Retail Underwriting

Job Purpose: The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities

• Responsible for underwriting CV &CE proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes.
• Conduct personal discussion with customers to establish credit worthiness.

Secondary Responsibilities

• Portfolio Management.

Managerial and Leadership Responsibilities

• Drive co-operation with the Sales, technology, analytics, and risk teams to ensure smooth functioning of business.
• Partner with Policies team to ensure all decisions are taken within the prescribed framework.

Graduation: Any

Post-graduation: Any

Experience: 2+ years of relevant work experience.