About Retail Credit

The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also

responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes

About the Role

The Area Credit Manager - CV/CE manages the credit activities and processes for Commercial Vehicle and Construction

Equipment products under Retail Credit for the Region assigned to him. The Area Credit Manager is responsible for smooth

functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the

processes designed by the bank.

Key Responsibilities

. Manage a team of 2 to 4 CPC Credit Underwriters - CV/CE

. Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around

Time as defined by the Bank

. Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the

standard process, Turn Around Time and decision consistency

. Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

. Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments

to ensure maintenance of a healthy portfolio

. Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk

trends, and to use necessary information for taking credit decisions

. Manage the relationship with various functions and departments within the bank to ensure collaboration and

alignment to organizational objectives

. Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme

Qualifications

Optimal qualification for success on the job is:

. Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute

. Experience of over 5 to 7 years in assessing credit of Commercial Vehicle and Construction Equipment Product

Role Proficiencies:

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

. Knowledge of credit, relevant industry and product trends

. Knowledge of regulatory guidelines and norms

. Good communication (both verbal and written) skill in both English and the local language

. Ability to handle pressure and meet deadlines