Credit Policy and Portfolio Manager

4 days ago


Gurgaon, Haryana, India CARS24 Full time
Job Overview

We are seeking a seasoned Credit Policy and Portfolio Manager to join our team at CARS24, where you will play a vital role in shaping our working capital strategy.

The ideal candidate will have a proven track record in credit risk management, portfolio optimization, and underwriting expertise. If you are passionate about delivering exceptional results and driving business growth, we encourage you to apply for this exciting opportunity.

Key Responsibilities:
  • Credit Policy Development: Collaborate with stakeholders to design and implement effective credit policies tailored to various segments (SMEs, Dealer Finance, Cash Credit, or Overdraft). Ensure alignment with regulatory requirements and internal risk appetite.
  • Portfolio Management: Monitor and manage the working capital portfolio to ensure healthy performance. Conduct regular portfolio reviews to identify emerging risks and opportunities for improvement.
  • Credit Underwriting Frameworks: Develop and refine credit underwriting frameworks to assess the creditworthiness of borrowers. Identify key risk factors and develop strategies to mitigate them.
  • Credit Approval Process: Oversee the credit approval process for working capital products, ensuring timely and informed decision-making.
Requirements:
  • Experience: A minimum of 7 years of experience in credit risk management, portfolio management, or credit underwriting, preferably in working capital or SME lending.
  • Automotive Financing Experience: Prior experience in automotive financing, especially with dealer loans and floor plan financing.
  • Financial Acumen: Strong understanding of credit risk analysis, underwriting processes, and working capital products. Knowledge of financial statement analysis, cash flow analysis, and lending principles.

Estimated Salary: $125,000 per year



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