Credit Manager

Key Responsibilities

· Evaluate credit proposals of micro and small enterprise customers, assessing both financial and non-financial parameters.

· Analyze business models, cash flow patterns, and repayment capacities where formal documentation is limited.

· Conduct customer and field visits where required to understand the ground realities of the business.

· Collaborate with business, risk, and collections teams to ensure quality underwriting and smooth disbursement processes.

· Identify early warning signals, monitor portfolio trends, and suggest corrective actions.

· Develop and refine credit assessment tools suited for informal and under-documented borrower segments.

· Train and guide field credit officers and sales teams on credit norms and business evaluation techniques.

· Continuously improve underwriting efficiency while maintaining portfolio quality.

Qualifications & Experience

· Graduate / Post-Graduate in Finance, Commerce, or related fields.

· 4 to 7 years of experience in credit underwriting or credit operations, preferably in micro, small business, or informal borrower segments.

· Prior experience in NBFCs / MFIs / small-ticket business lending / vehicle finance will be an advantage.

Job Type: Full-time

Pay: ₹30,007.98 - ₹35,400.32 per month

Benefits:

• Health insurance

Work Location: In person