Credit Manager

0 years

Jaipur Rajasthan India

Posted:7 months ago

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Job Description

Credit Underwriting & Assessment
  • Conduct detailed credit appraisals for SME/MSME and unsecured loan proposals.
  • Analyse financial statements, cash flows, bureau reports, banking behaviors, and risk factors.
  • Prepare clear credit appraisal memos with risk insights and sanction recommendations.
  • Timely disposal of cases assigned for underwriting.
Portfolio & Risk Management
  • Monitor portfolio health, identify early warning signals, and recommend corrective actions.
  • Control delinquency and ensure risk exposures stay within defined limits.
  • Track performance trends and support measures to reduce NPAs or deteriorate assets.
Policy, Compliance & Governance
  • Ensure strict adherence to internal credit policies, IFSCA guidelines, and regulatory norms.
  • Suggest enhancements to underwriting frameworks and credit processes based on market conditions and risk experience.
  • Preparation of New product framework which can be launched to meet client requirements under regulatory guidelines.
Cross-Functional Collaboration
  • Work with sales and business teams to balance risk and growth objectives.
  • Coordinate with operations, legal, valuation partners, and auditors to support seamless credit processing.
  • Ensure documentation meets internal standards and regulatory requirement.
Field & Due Diligence
  • Undertake field visits and borrower interactions to validate business information and understand local market dynamics.
  • Conduct proper due diligence as part of credit evaluation and risk validation.
Reporting & Documentation
  • Maintain accurate credit records and prepare periodic MIS for leadership.
  • Ensure documentation meets internal standards and regulatory requirements.

  • Skills Required

    underwriting assessment reports risk portfolio management support compliance governance collaboration valuation documentation evaluation reporting

    Work Mode

    On-site

    Job Type

    Full Time

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