L4 - Credit - MH - Akurdi - BACL
Date: 17 Jun 2025
Location: Pune RO (BACL), India
Company: bajajauto
Job Description
Role Information
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Designation: Credit Officer Indicative level/Grade: L4
Location: Regional Offices
Experience: Minimum 3 Years on roll Experience, preferably in / Financial Services/ Banking
Qualification: Graduate
Industry Type: Banking and Financial Services
Reporting to: Area Credit Manager
Number of Reportees: 0 Direct - 0 Indirect -0
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Summary Role Profile (4-5 lines):
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The Credit Manager should have extensive experience (min 3 years) in risk and credit in an NBFC / Bank. He should have enough knowledge of Geography / Area. Familiar with assessing credit using online and third-party tools. He should have good communication ability to train CPA executive & Sales DMA on credit policy & process. A short stint in sales will be an added advantage; this will give him a well-rounded perspective on business aspects. |
Detailed Role Profile:
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Sr No |
Key Performance Area |
Unit of Measure |
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1 |
Credit Decision based on policy / Underwriting of 2W and 3W cases |
Ongoing, daily activity should maintain TAT as per benchmark set.
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2 |
Portfolio Tracking / behavior to assess risk |
Will require to prepare reports of area / locations and communicate the results (Femi, Nonstarter, Chq. Bouncing, Arrears etc)
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3 |
Adhere to company Policies / Procedures / Business Ethics |
1. Maintains accurate records of all credit policies 2. Adheres to all company policies, procedures and business ethics codes and ensures that they are communicated and implemented within the team.
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4 |
Process Efficiency |
Nil lapses in process same can be measured by way of all hind sighting, Login FTNR, FI Quality, Audit & RCU Reports, PDD Tracking etc. |
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5 |
Vendor Management ( FI, CPA etc) |
Vendor competency with frequent Review mechanism |
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Skill Sets Required: |
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Detail oriented |
Looks for new possibilities |
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Hands on individual |
Good communication to CCMs and RSMs |
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Ability to work with the team |
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Interactions |
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Internal |
External |
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RM/ ASM/ CSMs and DMAs |
FI agencies, CPA agency |
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Key Challenges:
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