Credit Policy and Portfolio Management Leader
1 week ago
CARS24 Financial Services is a leading automotive technology company that aims to revolutionize car ownership. We believe in making car ownership stress-free, focusing on customer satisfaction and growth.
Our mission is to provide a seamless car buying and selling experience through our cutting-edge Super App. With a strong foundation in data science and deep customer insights, we are one of the largest AutoTech companies globally.
Job Title: Credit Policy and Portfolio ManagerWe're seeking an experienced Credit Policy and Portfolio Manager to join our team. This role requires a strong understanding of credit underwriting, portfolio risk management, and financial analysis.
About the RoleThe successful candidate will be responsible for developing, implementing, and managing credit policies for working capital products. Key responsibilities include:
- Designing and improving credit underwriting frameworks to assess borrower creditworthiness
- Monitoring and managing the working capital portfolio to ensure healthy performance
- Overseeing the credit approval process for working capital products and managing exceptions
- Collaborating with business development teams to align credit policy with market needs
To succeed in this role, you'll need:
- A minimum of 7 years of experience in credit risk management, portfolio management, or credit underwriting, preferably in working capital or SME lending
- Prior experience in automotive financing, especially with dealer loans and floor plan financing
- Strong understanding of credit risk analysis, underwriting processes, and working capital products
₹80-120 lakhs per annum, based on location and experience.
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