Zaid Inamdar

Responsibilities:

1. Loan Appraisal & Underwriting

Assess creditworthiness of applicants for two-wheeler loans.

Review income documents, bank statements, and KYC details.

Perform risk analysis and take decisions within approved credit limits.



2. Credit Policy Adherence

Ensure all approvals are in line with the company’s credit policy.

Flag policy deviations and take necessary approvals wherever required.



3. Credit Bureau Analysis

Evaluate CIBIL/Experian reports to assess customer repayment history and credit behavior.



4. Fraud Prevention

Identify suspicious applications and prevent fraudulent disbursals.

Coordinate with verification teams to ensure authenticity of customer information.



5. Portfolio Quality Management

Monitor loan disbursal quality and minimize delinquency and NPAs.

Analyze portfolio trends and provide early warning signals.



6. Operational Coordination

Work closely with sales, operations, and dealer teams to ensure smooth flow of loan processing.

Resolve customer and dealer queries related to credit decisions.



7. Audit & Compliance

Maintain proper documentation for each loan file.

Support internal and external audits and ensure regulatory compliance.