Credit Manager - CV & CE-COMMERCIAL VEHICLE-Credit Common Cost Allocation - CV,CE & SA

Role Purpose

To underwrite CV/CE credit for the assigned area by ensuring good quality approvals, timely decisions, policy compliance and healthy portfolio.

Key Responsibilities

• Assess and underwrite CV/CE loan proposals by evaluating customer profile, financials, banking conduct, bureau reports, cash flows, asset value, and repayment capacity.
• Conduct Personal Discussion (PD) visits and customer interactions, wherever required, to validate business profile, income assessment, end-use, and overall creditworthiness.
• Take timely and quality credit decisions within approved policies, underwriting guidelines, delegated authority, and defined TATs.
• Monitor portfolio performance, identify early warning signals, and support actions to maintain portfolio quality.
• Ensure adherence to credit policies, regulatory requirements, documentation standards, compliance norms, and audit readiness.
• Support implementation of credit policy changes, process improvements, and risk management initiatives across the assigned state.
  
  

Desired Profile

• CA / MBA / Post Graduate preferred.
• 3-6 years of experience in credit assessment, underwriting, or risk evaluation.
• Experience in CV/CE finance, vehicle finance, Mortgage, SME finance, or related lending businesses preferred.
• Strong understanding of financial statement analysis, cash flow assessment, banking analysis, bureau evaluation, and repayment capacity assessment.
• Good knowledge of credit policies, documentation, and risk management practices.
• Strong analytical skills, decision-making ability, and stakeholder management capabilities.
  
  

Role Summary

Manage state-level CV/CE credit underwriting by conducting quality credit assessments and PD visits, ensuring policy-compliant and timely credit decisions, and supporting healthy portfolio performance.
Skills Required
Documentation, Risk Evaluation, credit assessment, Underwriting, Financial Statement Analysis, Risk Management