Credit Manager

Credit Manager

Key Responsibilities:

• Evaluate and analyze loan applications based on credit policies and risk parameters.
• Review income documents, bank statements, and credit bureau reports (e.g., CIBIL, CRIF).
• Approve or reject loan applications based on eligibility criteria and internal guidelines.
• Monitor DPD (Days Past Due), default rates, and portfolio performance.
• Coordinate with sales and verification teams for pending documents or clarifications.
• Maintain accurate records of credit decisions and rationales.
• Flag high-risk or fraudulent profiles proactively.
• Suggest improvements in credit policy or underwriting practices.
  

Requirements:

• Bachelors degree in Finance, Commerce, or a related field (MBA preferred).
• 13 years of experience in lending, credit underwriting, or financial services (Payday loan/NBFC experience is a plus).
• Strong understanding of CIBIL reports, bank statement analysis, and salary evaluation.
• Familiarity with tools like

  Signzy, CRIF, Karza, Noval, or Equifax

  preferred.
• Excellent communication and decision-making skills.
• Proficiency in Excel and CRM tools.
  

Perks:

• Competitive salary & incentive structure
• Dynamic and fast-growing work environment
• Learning and growth opportunities