01 May

Senior Credit Officer Wheels Asset Jobs Vacancy in Small Finance Bank

Position
Senior Credit Officer Wheels Asset
Company
Small Finance Bank
Location
MP
Opening
01 May, 2018 23 days ago

Small Finance Bank urgently required following position for Senior Credit Officer Wheels Asset. Please read this job advertisement carefully before apply. There are some qualifications, experience and skills requirement that the employers require. Does your career history fit these requirements? Ensure you understand the role you are applying for and that it is suited to your skills and qualifications.

Follow the online directions, complete all the necessary fields, and provide all relevant information so your application is submitted correctly. When you click the 'Apply this Job' button (open in new window) you will be taken to the online application form. Here you will be asked to provide personal and contact details, respond to employment-related questions, and show how you meet the key selection criteria.

Senior Credit Officer Wheels Asset Jobs Vacancy in Small Finance Bank Jobs Details:

SENIOR CREDIT OFFICER WHEELS WHEELS ASSET CREDIT & FI - 13713

Description
JOB DESCRIPTION

Basic Information

Position Title
Credit Manager/Hub Manager
Grade/Level
M3/M4

Vertical
CV
Location


Business
Assests
Department
Credit

Organizational Relationships

Position Reporting to
Cluster Manager/State Credit Manager

Direct Reports if any


Job Purpose

The credit manager position is accountable for the entire credit underwriting process for his area, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers.

Qualification
Any Graduate

Relevent Experience
Minimum 3 years

Functional Compentencies
Knowledge of Product

Abiility to handle the team

Ability to take quick decisions

Abiility to Convince others

Behavioural Compentencies
Self-Driven & Proactive

Well-presented and business-like - Good speaking & writing skills

Result Oriented with a positive outlook

Willingness to travel extensively

Job Responsiblities

Financial Responsibilities
  • Assessment of customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline)

  • Assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc) and Tele-verification with the customer / Personal Discussion

  • Ensure that FI and approvals are done as per the Turnaround time matrix of the organization

  • Analyse to Risk


Non Financial Responsibilities
  • Looking disbursement of all CV files

  • Appointment and periodic monitoring of Valuers, RTO Agents and sourcing channels

  • Asset Verfication/ customer visit for NS/ED cases.

  • Recruitment, Training and Mentoring of FI team


Compliance & Risk Responsiblities
  • Monitor the performance of the portfolio based on Non Starters & Early Delinquency, delinquency of various sourcing channels, products, customer segments, etc.

  • Monitor documentation deferrals and collection of PDDs

  • Audit queries handing and resolution & share the gaps in underwriting

  • Monitor the local market on a monthly basis through interaction with customers, dealers and other market intermediaries (tyre dealers, spare parts dealers, brokers, body builders, etc) and provide recommendations for corrective action in sourcing, underwriting, etc.


  • Refinance SOP implementation and monitoring - Monitoring of Valuers, RTO Agents, etc


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