Evaluates complex commercial vehicle and construction equipment loan proposals through financial, customer, collateral, and risk assessment. Conducts due diligence, field visits, and credit decisions within delegated authority. Monitors portfolio quality, delinquency, losses, documentation, compliance, and risk indicators. Advises business teams on underwriting policies, collaborates with cross-functional stakeholders, and recommends process and control improvements to support prudent lending and sustainable portfolio growth.
To evaluate complex Commercial Vehicle and Construction Equipment credit proposals through assessment of business performance, customer viability and portfolio risks. The role contributes to prudent lending and sustainable portfolio growth.
Responsibilities- Appraise CV & CE loan proposals, conduct detailed credit and risk assessment, scrutinize customer, financial and collateral documents, and recommend/sanction proposals within defined TAT and delegated authority.
- Conduct customer interactions, personal discussions, field visits, and due diligence to assess repayment capacity, business viability, and creditworthiness.
- Ensure adherence to the Bank's credit policies, underwriting standards, regulatory guidelines, and risk management framework.
- Monitor portfolio performance, delinquency trends, credit losses, and early warning signals, and recommend corrective actions to maintain portfolio quality.
- Review loan documentation and credit conditions to ensure compliance prior to disbursement and throughout the loan lifecycle.
- Prepare, review, and monitor credit MIS, portfolio reports, exception reports, and risk indicators for effective portfolio management.
- Support and guide business teams on credit policies, underwriting norms, risk assessment, and policy changes through regular training and engagement.
- Identify process, policy, and control gaps and recommend improvements to strengthen credit quality, operational efficiency, and risk controls.
- Collaborate with Business, Operations, Collections, Legal, and Risk teams to ensure effective credit decision-making and portfolio management.
- Undertake other credit risk management and portfolio monitoring responsibilities as assigned by the Head of Credit.
Experience Range : 5 to 12 years
Qualifications:
CA/ MBA Finance
Similar Jobs
Artificial Intelligence • Big Data • Healthtech • Information Technology • Machine Learning • Software • Analytics
Owns technical product execution for CareSelect Imaging by translating strategy and customer needs into capabilities, features, user stories, acceptance criteria, and prioritized backlogs. Partners with distributed Engineering, Architecture, QA, Product, and Operations teams to manage dependencies, risks, planning, development, testing, releases, and validation. Communicates priorities and delivery status while improving requirements quality and predictability.
Top Skills:
AhaAzure DevopsDevOpsFhirHl7JIRARally
Cloud • Fintech • Food • Information Technology • Software • Hospitality
Provides technical customer support to restaurant clients through chat, voice, and casework channels. Resolves hardware and software issues, explains technical concepts clearly, manages multiple interactions, meets SLA and KPI targets, collaborates with internal teams, and contributes to process improvements. Requires rotational 24/7 availability, including nights, weekends, and holidays, with initial office work in Chennai.
Top Skills:
Chat/Ticketing SystemsPos SystemsSaaS
Artificial Intelligence • Cloud • Information Technology • Consulting
Design and test engineering solutions for software, systems, and integrated products. Collaborate with internal and external development partners, validate technical specifications, and contribute to cross-functional teams delivering reliable, cost-effective solutions. The role requires basic knowledge of hardware design, electrical components, engineering tools, and material properties, along with strong analytical, communication, and teamwork skills.
Top Skills:
Electrical ComponentsEngineering Design SoftwareHardware Design
What you need to know about the Chennai Tech Scene
To locals, it's no secret that South India is leading the charge in big data infrastructure. While the environmental impact of data centers has long been a concern, emerging hubs like Chennai are favored by companies seeking ready access to renewable energy resources, which provide more sustainable and cost-effective solutions. As a result, Chennai, along with neighboring Bengaluru and Hyderabad, is poised for significant growth, with a projected 65 percent increase in data center capacity over the next decade.
