Regional Credit Manager - Strategic Accounts Motor Finance, TCL (Mumbai)

As a Credit Underwriter for Strategic MF Customer loans in the region, your role involves: - Monitoring Portfolio quality and risk management on various parameters such as DPD, NPA, bounce rates, and delinquency trends. - Analyzing ED (Early Delinquency), Non-Starters, and PNS. - Implementing Credit policy, process control, credit compliance, and risk guidelines. - Managing a team of ACMs, CMs, Credit Officers, and Associates by providing training, monitoring, controlling, motivating, and engaging them. - Maintaining market knowledge by coordinating with other financers, staying updated on financing trends, market understanding, customer feedback, and competitor policies. - Generating MIS reports on approvals, declines, portfolio risk, and geography-wise performance. - Ensuring accurate and timely system updates for underwriting decisions. - Facilitating internal audits, compliance checks, and regulatory inspections. - Driving the team towards achieving positive results on KPIs. Preferred qualifications for this role include: - Strong understanding of CV finance, route economics, and used/new CV valuation. - Proficiency in financial analysis, GST profiling, and credit risk profiling. - Knowledge of KYC regulations, RBI norms for NBFCs, and risk governance frameworks. - Excellent interpersonal and communication skills for collaboration with cross-functional teams. - Strong analytical, decision-making, and problem-solving abilities. - Ability to manage high-volume credit workload within tight timelines.