Credit Review Manager

1. Pre-Approval Review • Verifying applicant identity: Ensures documents like IDs, income proof, and addresses are authentic. • Detecting document fraud: Checks for forged salary slips, fake bank statements, or inflated asset values. • Cross-checking applicant information: Confirms data with credit bureaus, internal databases, or third-party sources. 2. Reviewing Dealers • Dealer Fraud Checks: Assesses the legitimacy of vehicle dealers or suppliers, especially in cases with repeated fraud patterns. 3. Red Flag Detection • Application Pattern Reviews: Identifies risk indicators such as multiple loan applications at once, synthetic identities, or false employer information. • Fraud Scoring & Watchlists: Uses fraud models and internal watchlists to flag potentially risky applications. 4. Investigations and Hold Recommendations • Application Holds or Rejections: Recommends putting an application on hold or rejecting it if fraud is evident. • Referral for further Investigation: Sends cases to internal or external teams for deeper assessment. • Coordination with Legal/Compliance: Works with legal or compliance teams when uncovering extensive fraud activity. 5. Reporting and Documentation • Maintaining Audit Records: Keeps detailed records of flagged or rejected applications for audit and regulatory review. • Suspicious Activity Reports (SARs): Files SARs if required under local AML or fraud reporting regulations. 6. Post-Approval Review • Credit Review of Approved Cases: Evaluates the Credit Team’s approval decisions, ensuring compliance with Toyota Capital CAT guidelines. • Quality Assessment of Credit Processes: Reviews credit risk management, including deviations from product guidelines or policies. • Post-Mortem Review: Determines root causes of early delinquent or early Non-Performing Accounts and provides recommendations for improvement. 7. Fraud Trend Analysis • Monitoring Alerts: Identifies suspicious activities through fraud detection tools. • Investigating Fraud Patterns: Examines behavioral trends to detect emerging fraud strategies. • Risk Management Enhancements: Suggests rule improvements based on trend analysis findings. 8. Additional Responsibilities • Support in CCRIS reporting to BNM & rectification (ad hoc). • Handling projects in expanding the scope of work for the department. Requirements: • Degree holder in Business/Commerce/Economics/Finance/Banking or equivalent. • Minimum 8-12 years of experience in credit evaluation function. • Possess CCE or CCR certificate. • Experience in fraud detection/investigation in credit. • Exposure to CCRIS and attending to BNM requests (added advantage). • Strong leadership and people management skills.