Sent: 02 November 2026 12:08
To: Bhumika <bhumika@peoplemint.in>
Subject: Hiring Mandate for Credit Manager_CV&CE || Location - Rajnagar, Gaziabad

Dear Bhumika,

Requesting your kind support in sharing few cvs for Credit Manager - CV& CE for Rajnagar,Gaziabad location, pls find job decription below for your reference :

Job Purpose / Summary:

We are seeking a seasoned and results-driven Credit Manager to oversee and manage the Commercial Vehicle loan portfolio as a Credit Manager – CV&CE. This role involves strategic planning, policy formulation, process implementation and portfolio monitoring to ensure efficient and effective credit management.

Duties and Responsibilities:

• Develop and establish credit policies tailored for the Commercial Vehicle loan segment.
• Conduct field visits across different locations to gather market intelligence.
• Assess the income, ability, intention, and credit behavior of applicants, verifying documents, conducting reference checks, bureau checks, and customer due diligence.
• Recommend adjustments to credit policies and processes based on market conditions.
• Manage stakeholder relationships with Business, Risk, Accounts, and Collections teams.
• Implement efficient processes to streamline the credit approval and loan disbursal workflow.
• Regularly monitor the performance of the commercial vehicle loan portfolio.
• Generate regular reports to assess the health of the portfolio.
• Work closely with the business development team to understand client needs and market dynamics.
• Collaborate with the collections team to enhance portfolio performance.
• Setting Up Processes to Ensure Smooth Workflow.
• Manage cost and loss budgeting to align with financial targets.
• Implement and administer Credit Policies for Corporate Finance division.
• Monitor systems and process for smooth implementation credit policies in the region.
• Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement.
• Maintaining Turnaround Time for evaluation & processing of deals Internal customer service - handling of other credit and compliance issues & taking corrective measures, being met with low TAT Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels.
• Monitoring delinquency & corrective action - undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team.
• Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales team and customers.
• Regular Training of Credit Ops / CPA resources on policies, processes & operations to ensure smooth functioning Submission of Reports to be undertaken for the region covering approval analysis, PDD collection, delinquency, monthly activity undertaken.
• Grade - Upto Manager
• Salary - Upto 9LPA

Experience / Skillset / Certifications Required:

• Educational Qualification – Bachelor’s degree in Financial Management with Credit Certification course / Post Graduate Degree in Financial Management.
• Relevant Job Experience – Minimum 3 years’ experience of Credit Management in Commercial Vehicle loan segment.
• Skills and Competencies –

· credit management

· Strong analytical skills

· ability to interpret complex financial data

· Excellent communication

· interpersonal skills

· Ability to travel extensively to various locations

· Portfolio Management

· strategic planning

· Closing skills

· Industry and product knowledge

· Due Diligence

· Credit Approval

· Compliance

· Credit Risk