Job Description
Sales Head / Credit Manager (Commercial Vehicle Loan)
Locations/Regions
Ayodhya, Bareilly, Gorakhpur, Moradabad, Prayagraj, Shahjahanpur, Pilibhit, Budaun, Deoria, Kushinagar, Kaushambi, Chitrakoot, Banda, Basti, Sultanpur, Gonda,
Key Resposibilities
• Appraise /underwrite the loan.
• Manage the entire credit application process.
• Manage quality of portfolio
• Evaluate potential customers’ creditworthiness, bank statements, GST recordsto evaluate borrowers’ income & expense data.
• Maintain detailed records of loans.
• Approve or reject loan requests from customers as per set standards.
• Create a credit scoring model to assess risks.
• Collect credit and varied documents from customer as well as third parties require to support decision of loan approval.
• Physical PD to loan applicant (Shop, Stock, Books/Register, Balance sheet, ITR, Bills etc.)
Educational Qualification
B.Com, M.Com, and MBA
Experience and Age Group
• Proven 2 yrs. work experience as a Credit Manager (Banking/NBFC)
• Solid understanding of lending procedures
• Negotiation skills
• Excellent analytical skills.
• Good communication skills.
• Detail orientated.