Job Requirements Role/Job Title: Area Credit Manager-Commercial Vehicle Business: Retail Banking Function/ Department: 'Retail Underwriting Place of work: Pan India Roles & Responsibilities: '• Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honour the agreed SLAs and manage area business volumes • Supervise a team of credit underwriters and provide guidelines • Conduct personal discussion with customers to establish credit worthiness • Control and contain front-end delinquencies by calling up customer on first presentation • Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits • Coordinate with sales to achieve targets and ensure SLAs are met • Ensuring credit policy adherence to the accepted standards • Recommend process changes in order to improve service efficiency and quality across the assigned area • Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service Secondary Responsibilities: 'a) Proficent in MS - Word /Excel and power point b)Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation. c) Willingness to work extensively in the field and travel across the region on short notice. d) Carrying out ad-hoc activities as per the requirement of the department.