Area Credit Manager

Job Description

Job description - Area Credit Manager - Pre Owned CarJob Profile:-
• Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies.
• Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities.
• Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy.
• Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations.
• Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses.
• Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
• Pivotal in achieving minimal number of operational errors related to files disbursed.
• Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance.
• Successfully improved the branch profitability by constantly supervising the operations costs.
• Mentoring & motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness.
• Conducting programmed to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations.
• Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company.
• Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance

Keyskills :
commercialcreditvehicleunderwritingusedautocar