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AVP/VP - Credit

8.00 to 10.00 Years   Delhi   06 Dec, 2024
A2Zee HR SOLUTIONS
Job LocationDelhi
EducationNot Mentioned
SalaryRs 18 - 30 Lakh/Yr
IndustryNBFC ( Non Banking Financial Services )
Functional AreaRisk / Underwriting
EmploymentTypeFull-time

Job Description

    Key Responsibilities:Credit Strategy and Policy Development
    • Develop and own credit policy and performance for fleet
    • Develop, review, and implement comprehensive credit policies and strategies aligned to the organizational business goal and risk
    • Understand and implement various risk mitigation strategies, including creation of innovative and industry first
    • Ensure alignment of credit policies with regulatory guidelines and industry best
    • Assess and manage credit risk associated with lending activities, including evaluating borrower creditworthiness, collateral assessment, and industry risk
    • Implement risk management practices, risk analytics and models to optimize the balance between risk and
    Underwriting
    • Direct ownership of underwriting loans for electric vehicle fleets on a case by case basis
    • Develop underwriting rules based on company financial analysis, regulatory rules, risk assessment
    • Develop, review, and update underwriting policies and guidelines in alignment with industry best practices and regulatory
    • Ensure consistent yet customized application of underwriting standards across the organization for different kind of lending
    • Oversee the evaluation of loan or insurance applications to determine risk and make informed underwriting
    • Develop and implement risk assessment models, ensuring accuracy and
    Portfolio Management and Regulatory Adherence
    • Monitor the overall health of the credit portfolio, identifying trends, and making strategic recommendations to optimize portfolio
    • Implement strategies to address and mitigate portfolio
    • Keep track of changes in financial regulations and ensure that credit operations of the organization comply with relevant laws and regulations.
    • Work closely with the compliance team to address any regulatory issues Process Optimization
    • Continuously evaluate and enhance credit application, approval, and monitoring processes for efficiency and
    • Integrate technology solutions and automation to streamline credit Reporting and Analysis
    • Prepare and present regular reports on credit portfolio performance, delinquency rates, and other key credit metrics
    Process Optimization
    • Continuously evaluate and enhance credit application, approval, and monitoring processes forefficiency and effectiveness.
    • Integrate technology solutions and automation to streamline credit operations.
    Reporting and Analysis
    • Prepare and present regular reports on credit portfolio performance, delinquency rates, and other key credit metrics to investors.
    • Conduct in-depth analysis to identify emerging risks and opportunities for improvement

Keyskills :
automobilefinancecredit riskunderwriting

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