(12 / 10 / 2025) Credit Manager- Commercial Vehicle & Construction Equipment

CHIEF RESPONSIBILITIES

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely credit and transaction approvals for delegation under self.
• Follow up with seniors for credit / transaction approvals.
• Managing loan portfolio with respect to credit rating / quality.
• Identify de risk account / AL accounts.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Respond on the Hind sight and Internal audit observations
• Conduct monthly Regional Council Meetings with all the stakeholders.

SECTION III : KEY RESPONSIBILITIES / ACCOUNTABILITIES

Strategic / Managerial Responsibilities

Core Responsibilities

People Management or Self-Management Responsibilities

Risk and Internal Control Responsibilities

SECTION IV : KEY INTERACTIONS

Key Internal Interactions Purpose of Interaction

Business Team

To interact with SM / ASM / RSM on day to day basis while cases assessment, monitoring delinquency

Policy Team

For clarification / guidelines as and when required

SECTION V : KNOWLEDGE & EXPERIENCE KNOWLEDGE

Minimum Qualifications

Language Skills

Years of Experience

Minimum of 2 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience

Credit Evaluation in any Bank & credit underwriting preferrable CV product

to changes, encouraging discussion, responding with empathy to their anxiety

Technical Competencies

Financial Analysis and Market knowledge of industry segment