Credit Manager

Key Responsibilities:

• Loan Assessment & Underwriting:
• Evaluate loan proposals received from branches or digital platforms.
• Perform credit appraisal, financial analysis, and risk assessment of individuals and businesses.
• Recommend/approve credit limits based on internal policies.
• Policy Adherence & Risk Management:
• Ensure compliance with the company’s credit policies, RBI norms, and KYC guidelines.
• Flag deviations and propose exceptions where applicable.
• Portfolio Monitoring:
• Track the performance of disbursed loans, monitor delinquency trends, and initiate corrective actions.
• Periodically review and revise underwriting norms based on changing risk profiles.
• Coordination & Training:
• Work closely with sales, operations, and legal teams for seamless processing of loan applications.
• Train field credit officers or branch staff on credit appraisal techniques and documentation.
• Reporting & Documentation:
• Prepare MIS reports, dashboards, and exception reports for senior management.
• Maintain accurate and updated credit files, approvals, and records.

Key Skills & Competencies:

• Strong analytical and financial evaluation skills
• Understanding of credit risk, loan structuring, and underwriting standards
• Knowledge of regulatory compliance in NBFCs
• Proficiency in MS Excel, Loan Management Systems, and credit scoring models
• Good communication and decision-making skills

Qualification & Experience:

• Graduate/Postgraduate in Finance, Commerce, Economics, or a related field
• MBA/CA/CFA preferred
• 3–7 years of experience in credit assessment or risk in an NBFC or bank (sector-specific: MSME, Personal Loan, Gold Loan, etc.)

Job Types: Full-time, Permanent

Pay: ₹20,000.00 - ₹24,000.00 per month

Work Location: In person