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Credit Manager Commercial Vehicle Credit Appraisal Delhi Vionwer JM

3.00 to 7.00 Years   Delhi   15 Jun, 2025
Job LocationDelhi
EducationNot Mentioned
SalaryNot Disclosed
IndustryBFSI
Functional AreaNot Mentioned
EmploymentTypeFull-time

Job Description

    1 Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)2 Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility3 Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team4 Meet customers (retail & strategic) at regular intervals to understand various industry & markets5 Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes6 Control & Monitoring of Post Disbursement Documents Invoice, Insurance & RC by way of interaction with sales and customers7 Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels8 Working on projects/process improvements from time To time9 Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry10 Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each11 Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement12 Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants13 Detailed financial appraisal covering the business model, working capital cycle, profitability etc14 Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health15 Identify the automation opportunities in existing processes, new product development16 Quality of Credit Underwriting17 Raise early warning signals for exit of stress accounts and take due measures for timely exit18 Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines19 Through market knowledge of CE /CV market practices20 Active involvement in customer visit21 Regular MIS on market intelligence.Qualifications -Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.,

Keyskills :
Financial modelingMarket researchRisk assessmentFinancial analysisPortfolio managementProcess improvementCredit underwritingMIS reportingCredit note preparationDelinquency trackingMarket intelligence developmentAudit resolution

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