Credit Manager

Job Description

Role & responsibilities: Credit Assessment & Underwriting : Evaluate loan applications, analyze financial statements, and assess creditworthiness to determine loan eligibility. Risk Management : Identify and mitigate credit risks, monitor loan portfolios, and ensure compliance with internal policies and regulatory requirements. Team Leadership & Collaboration : Lead and mentor credit analysts, collaborate with sales and operations teams, and ensure alignment with business objectives. Collections & Portfolio Monitoring : Oversee collections, manage delinquencies, and maintain a healthy loan portfolio. Reporting & Compliance : Prepare reports on credit activities, ensure adherence to regulations, and stay updated on industry trends. Preferred candidate profile: Educational Qualification : Bachelors or Masters degree in Finance, Accounting, Business Administration, or a related field. Professional Experience : Minimum of 2–7 years in credit analysis, underwriting, or financial management, preferably within an NBFC, bank, or financial institution. Technical Skills : Proficiency in financial analysis, credit scoring models, and risk management techniques. Soft Skills : Strong analytical, negotiation, and problem-solving abilities. Excellent communication and interpersonal skills to effectively collaborate with clients and internal teams.