• Analyze both intangible and tangible data, including a credit data and financial statements, to determine the creditworthiness of new and existing customers, dealers, and suppliers

• Develop and implement credit risk policies and procedures

• Monitor credit limits and recommend changes as needed to minimise NPAs and maximise returns

• Gather and maintain accurate records of credit assessments and customer information

• Conducting quarterly, semi-annual, and annual reviews of existing customers, dealers, and suppliers and revaluating credit limits based on credit transactions and financial strength

• Collaborate with cross-functional teams to address escalations and new opportunities and develop risk mitigation strategies

• Develop and maintain relationships with customers to support credit decisions and manage credit risk

• Provide regular reporting on credit risk metrics

• Continuously monitor and evaluate credit risk management practices to ensure effectiveness and compliance with regulations and industry best practices