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. • 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