Freelance Auto Loan Credit Expert Needed

*FREELANCE JOB - Auto Loan Credit Expert (Ex-Banker) - Remote Work*

*Location:* Remote / Work From Home
*Job Type:* Freelance / Part-Time

*Who We Are Looking For:*
Ex-banker / Current credit professional who has worked with *MULTIPLE PRIVATE BANKS for NEW CAR LOANS.*

*Preferred Banks:*
HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra, Yes Bank, IndusInd Bank, IDFC First, AU Small Finance, Federal Bank

*Must-Have Knowledge (Non-Negotiable):*
You must have hands-on knowledge of credit policies for ALL private banks for:

- *Income Assessment:* Salaried & Self-Employed Policies (Salary slip, Form 16, ITR calculation)
- *ABB Basis:* Average Bank Balance assessment policy
- *Banking Surrogate:* Debit & Credit turnover based eligibility
- *Repayment Track Basis:* CIBIL repayment history, DPD analysis, existing loan track policy
- *NIP:* No Income Proof program policy
- *Agri Surrogate:* Agriculture income based policy
- *Other Surrogates:* Car-to-Car, Credit Card Surrogate, High Value Car Surrogate

*Responsibilities:*

- CIBIL reading & DPD analysis (last 24 months track)
- Calculate FOIR, LTV, Max funding as per each bank's policy
- Decide best bank fit for each customer profile (Salaried / SEP / NIP / Agri)
- Train our team on latest policy changes of all private banks

*Ideal Candidate:*

- 2-7 years experience in Auto Loan Credit / Underwriting / Sales at any private bank or NBFC (Chola, Sundaram, Mahindra Finance also ok)
- Must have worked on NEW CAR LOANS (not only used car / personal loan)
- Knows current login portals of HDFC, ICICI, Axis