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Credit Manager - Auto Loans

Employer
HDB Financial Services Ltd
Location
Kolkata, IN
Salary
Competitive
Closing date
Oct 18, 2019

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Job Description 1) Credit Decisions Take prudent lending decisions based on sound judgment. 2) Portfolio Quality Management Ensure healthy branch portfolio. 3) Good MIS skills and good understanding of systems 4) Coordinating / managing RCU & verification vendors. 5) Contribute to Business Profit Goals. Key Skills Credit Decisions 1) Good Underwriting skills - Take sound lending decisions based on available information & interactions with the applicants. 2) Have a good understanding of systems and good grasping power in order to underwrite through the system 3) Manage credit quality and control delinquencies, frauds. 4) Understand credit policy as well as credit environment in the city / branch. 5) Supervision and control for closure of PDDs alongwith APMs and Ops (including liasoning with RTO Agents) 6) Monitor the PDD pendency and put triggers wherever applicable 7) Have a good knowledge about the market and the competitors. Good networking skills is desirable. 8) Should have good knowledge to prepare MIS 9) Manage the process required for delivering reasonable turnaround time. 10) Monitor portfolio indicators and ensure that they are within the desired levels. Monitoring Performance 11) Managing performance in terms of key drivers i.e. 12) Loses / Portfolio quality parameters 13) Cost of credit administration Desired Candidate Profile 1) Graduate/Postgraduate. 2) 4-6 years Credit/Underwriting experience in Auto Loans. 3) Understanding of portfolio metrics. 4) Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.

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