L4 - Credit Underwriting - TN - Chennai - BACL

4 days ago

India Bajaj Auto Full time ₹ 5,00,000 - ₹ 15,00,000 per year




DESCRIPTION

  • Level: L4
  • Department: Credit Officer
  • Designation: EXEC Manager
  • Location: Chennai
  • Experience: Minimum 3 years of experience, preferably in Financial Services/Banking/FMCG/NBFC
  • Preferred Age: Maximum 30 years
  • Qualification: Any Graduate/ P.G./M.B.A.
  • Reporting to: Area Credit Manager
  • Nature of Role: Individual Performer

KPA



Key Challenges:




  2. Studying in detail reasons for FEMI bouncing and suggesting correction in credit buying.



  2. Maintain accuracy in decision to avoid rework.


ROLE & RESPONSIBILITY



The Credit Manager should have extensive experience (min 3 years) in risk and credit in an NBFC / Bank.  He should have enough knowledge of Geography / Area. Familiar with assessing credit using online and third-party tools. He should have good communication ability to train CPA executive & Sales DMA on credit policy & process. A short stint in sales will be an added advantage; this will give him a well-rounded perspective on business aspects.



Detailed Role Profile:



Sr No



Key Performance Area



Unit of Measure



1



Credit Decision based on policy / Underwriting of 2W and 3W cases



Ongoing, daily activity should maintain TAT as per benchmark set.



2



Portfolio Tracking / behavior to assess risk



Will require to prepare reports of area / locations and communicate the results (Femi, Nonstarter, Chq. Bouncing, Arrears etc)



3



Adhere to company Policies / Procedures / Business Ethics



1. Maintains accurate records of all credit policies

2. Adheres to all company policies, procedures and business ethics codes and ensures that they are communicated and implemented within the team.



4



Process Efficiency



 Nil lapses in process same can be measured by way of all hind sighting, Login FTNR, FI Quality, Audit & RCU Reports, PDD Tracking etc.



5



Vendor Management ( FI, CPA etc)



Vendor competency with frequent Review mechanism



SKILL SET REQUIRED



Skill Sets Required:



Detail oriented



Looks for new possibilities



Hands on individual



Good communication to CCMs and RSMs



Ability to work with the team



Interactions



Internal



External



RM/ ASM/ CSMs and DMAs



FI agencies, CPA agency


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