Ø Responsible for Business Development for CV & CE in open market.
Ø Working in close tandem with the dealership to understand the profile of customers being sourced, hence informing customers/ dealerships on the documentary needs, tentative rates to be offered, LTV and procedure of body funding(if any) as per policy approved.
Ø Initiate reference checks for customer and CIBIL check
Ø Prepare deal forwarding sheet and CADD( Customer Acquisition Due Diligence) for the customer and forwarding the same to State Credit Officer (SCO)
Ø Ensuring the physical file reaches SCO with minimal pendencies to facilitate faster turnaround time (TAT) in processing deals
Ø Coordinating with SCO (also escalations, in case the approval is in limits of ZCM, PH and above), Dealership team, dealer and customer to resolve queries/ pendencies in the file.
Ø Releasing Delivery order to the dealer as soon as a case is approved.
Ø MIS reporting
Ø Sanction letter given to the dealer in case the proposal is urgent and verbal approval has been taken from SCO’s and above.
Ø At the end of the month, sharing the rejection tracker to facilitate learning and minimizing waste of time in the future.
Ø Prepare first cut CA for large deals where the approval for the particular limit for the customer for an entire year is prepared in one go.
Ø Coordinating with customers and financers in the market to update self on market dynamics and emerging trends on LTV, segment performance, and schemes in the market and share the same for better monitoring of market.
Ø Tracking portfolio of cases being funded to check its health and share the same with the dealer in case of delays in EMI’s other repayment issues.
Ø Collecting PDD’s from customer/ dealer and updating in the system, in case of an increase in PDD pendencies, highlight the same well before trigger breach.
Ø Suggest changes in policy depending on market dynamics and local conditions.