Credit Executive

As a Credit Executive at our company, you will play a crucial role in the credit evaluation and underwriting process for EV asset financing, with a focus on L3 e-rickshaws and lithium-ion batteries. Your primary responsibility will be to conduct comprehensive credit checks, assess risk profiles, verify customer documentation, analyze financial and non-financial data, and ensure that all loans comply with company policies and regulatory standards. This role is specifically designed to cater to individual drivers and fleet operators in urban and semi-urban markets. - Perform thorough credit assessments of loan applicants by scrutinizing their CIBIL score/report and other credit bureau data like Experian and CRIF. - Identify warning signs such as recent multiple loan applications, delinquency, or high EMI-to-income ratios. - Examine customer KYC documents such as Aadhaar, PAN, voter ID, and address proof. - Validate income proof, business ownership or employment details, and documents for informal or semi-formal income sources. - Review and confirm guarantor details and documents where necessary. - Ensure all credit decisions align with internal credit policies, product parameters, and risk tolerance. - Make recommendations for approval or rejection based on a comprehensive risk assessment. - Escalate borderline or high-risk cases to senior credit approvers or risk committees. - Bachelor's degree in Finance, Commerce, Business Administration, or a related field. - Minimum of 3 years of experience in credit underwriting or loan processing, preferably in vehicle, EV, or asset financing. - Proficient knowledge in CIBIL and credit bureau reports, informal income assessment, and retail underwriting standards. - Familiarity with field verification, KYC norms, and documentation practices. - Detail-oriented with exceptional analytical and risk assessment skills. - Willingness to travel if required.,