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

Key Responsibilities .

• Credit Underwriting & Risk Management:

Assess creditworthiness of commercial vehicle loan applicants, conduct thorough credit analysis, and evaluate financial risk to ensure sound decision-making.

• Team Leadership:

Manage and guide a team of credit professionals or underwriters, providing training and direction on credit policies and processes.

• Business Growth & Dealership Relations:

Work with sales teams and maintain strong relationships with dealerships to drive business volume for commercial vehicle loans.

• Policy Adherence & Compliance:

Ensure strict adherence to internal credit policies, regulatory requirements, and service level agreements (SLAs).

• Portfolio Management:

Monitor and control delinquencies by proactively contacting customers, ensuring timely loan processing, and resolving customer issues.

• Process Improvement:

Recommend and implement process changes to enhance efficiency, improve service quality, and drive operational excellence.

Qualifications & Skills

• Experience:

Typically requires 14+ years of experience in credit management, specifically within auto or commercial vehicle finance, or a related BFSI role. 

• Education:

Qualifications such as CA, ICWAI, or an MBA/PGDM from a reputable institution are often preferred. 

• Technical Skills:

Strong proficiency in credit analysis, risk assessment, and underwriting principles for commercial vehicles. 

• Soft Skills:

Excellent analytical, communication, and leadership skills, with the ability to build and maintain relationships.