About the role
Group Company: AU Small Finance Bank Limited
Designation: Credit Manager Two Wheeler
Office Location:
Position description: #*Position description*#
Primary Responsibilities: #*Primary Responsibilities*#
Additional Responsibilities: #*Additional Responsibilities*#
Reporting Team
- Reporting Designation: #*Reporting Designation*#
- Reporting Department: #*Reporting Department*#
Educational qualifications preferred
#*Education and Experience*#
- Category: #*Category*#
- Field specialization: #*Field specialization*#
- Degree: #*Degree*#
- Academic score: #*Academic score*#
- Institution tier: #*Institution tier*#
Required Certification/s: #*Required Certification/s*#
Required Training/s: #*Required Training/s*#
Required work experience
- Industry: #*Industry*#
- Role: #*Role*#
- Years of experience: #*Years of experience*#
- Develop and implement credit policies and procedures specific to two-wheeler financing to ensure risk mitigation and regulatory compliance.
- Lead the credit assessment process by analyzing borrower creditworthiness, repayment capacity, and collateral evaluation for two-wheeler loan applications.
- Manage and monitor the credit portfolio performance, identifying early warning signals and taking corrective actions to minimize non-performing assets.
- Collaborate with sales, underwriting, and collections teams to streamline credit processes and enhance customer experience.
- Conduct periodic reviews and audits of credit files to ensure adherence to internal guidelines and external regulatory requirements.
- Train and mentor credit team members to enhance their skills in credit evaluation, risk assessment, and decision-making.
- Prepare detailed credit reports and presentations for senior management, highlighting portfolio trends, risks, and opportunities.
- Stay updated with industry trends, regulatory changes, and competitive landscape to continuously improve credit strategies.
- Coordinate with legal and compliance teams to handle credit disputes, recoveries, and legal proceedings related to two-wheeler loans.
- Drive initiatives to improve credit scoring models and leverage data analytics for better risk prediction and decision-making.
- Credit Risk Assessment
- Two-Wheeler Loan Underwriting
- Portfolio Management
- Regulatory Compliance
- Credit Policy Development
- Data Analytics for Credit
- Team Leadership and Training
- Financial Statement Analysis
- Loan Recovery and Legal Coordination
- Credit Scoring Model Enhancement
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum 5-7 years of experience in credit management within the financial services sector, with a focus on two-wheeler or vehicle financing.
Key Performance Indicators: #*Key Performance Indicators*#
Required Competencies: #*Required Competencies*#
Required Knowledge: #*Required Knowledge*#
Required Skills: #*Required Skills*#
Required abilities
- Physical: #*Physical*#
- Other: #*Other*#
Work Environment Details: #*Work Environment Details*#
Specific requirements
- Travel: #*Travel*#
- Vehicle: #*Vehicle*#
- Work Permit: #*Work Permit*#
Other details
- Pay Rate: #*Pay Rate*#
- Contract Types: #*Contract Types*#
- Time Constraints: #*Time Constraints*#
- Compliance Related: #*Compliance Related*#
- Union Affiliation: #*Union Affiliation*#