Credit Manager

1 week ago


Rajkot, India Ruhi Consultant Full time
Designation: Credit Manager (Commercial Vehicle Loans) 
Job Purpose:

The incumbent will be required to manage a team as well as coordinate with sales team to achieve target. You will be in direct contact with the consumers in order to establish their credit worthiness. You also need to ensure completion of credit/KYC documents and verifications through telephonic, field and collateral visits while complying with the guidelines set forth in the in the company credit policy. The execution of this these tasks must be accomplished in such manner which is both sales supportive and risk averse. 
Roles and Responsibilities
  • Develop & motivate the credit team.
  • Co - ordination with marketing team regarding login of file.
  • Inward the file in system after screening the basic requirement as per policy for login.
  • Raise the queries (Ask the documents which are not provided by marketing team but are necessary for the process as per the policy).
  • Rejecting the file if the case is not fit as per the policy after confirming with appropriate authority and informing the same to marketing team.
  • Fire the request for the site visit and collection comfort for all cases excluding the cases which are rejected on initial stage.
  • Co Ordination with marketing team regarding query resolution.
  • Arranging the file in particular order.
  • Process the file i.e. preparing CAM (Financial Analysis, Ratio Analysis, Banking Analysis, CIBIL Analysis, Internal Dedupe).
  • Telephonic verification for the processed files (TVR is compulsory for solving the doubts arose while preparing the CAM).
  • Solving the queries raised by Audit Department regarding any approved case.
  • Updating of TAT in system according to file status on regular basis.
  • Designing the loan scheme and managing the required supporting for the same.
  • Security cheque management.
  • Initiative in updating credit policy time to time.
Educational Qualifications:
  • Graduate - Any
  • Post Graduate - MBA Finance.
Desired Candidate Profile
  • Minimum of 8 Years' experience in Credit.
  • Bank/NBFC Experience in CV/CE market
  • Knowledge of CV vehicle models and their application


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