Credit Manager

Key Responsibilities: Credit Assessment & Underwriting

• Evaluate loan applications by analyzing financial documents, bank statements, credit bureau reports, and other digital data points.
• Make informed credit decisions based on risk scoring, credit parameters, income stability, and repayment capacity.
• Implement and monitor credit policies, scorecards, and eligibility criteria.

Risk Management & Fraud Control

• Identify high-risk profiles and potential fraud indicators using digital tools, customer patterns, and data analytics.
• Ensure compliance with internal credit policies, regulatory guidelines, and company risk frameworks.
• Collaborate with risk and fraud teams to refine rules, thresholds, and risk models.

Portfolio Monitoring & Performance

• Monitor portfolio quality, delinquency trends, NPA levels, and collection performance.
• Conduct periodic credit reviews and recommend corrective actions to improve credit health.
• Analyze data to identify gaps in credit processes and optimize decision-making.

Team Leadership & Coordination

• Lead and train credit analysts/executives to maintain high accuracy and efficiency in underwriting.
• Coordinate with sales teams for clarifications, documentation, and customer onboarding support.
• Work closely with product and tech teams to enhance credit workflow and digital underwriting systems.

Policy & Process Development

• Develop and refine credit policies, approval matrices, documentation requirements, and risk strategies.
• Support the implementation of automated underwriting tools and decision engines.

Reporting & Documentation

• Prepare regular MIS reports on approvals, rejections, portfolio movement, and risk metrics.
• Maintain accurate documentation and ensure audit readiness at all times.

Required Skills & Qualifications:

• Graduate/Postgraduate in Finance, Commerce, Economics, or related field.
• 2–7 years of experience in credit underwriting/credit management in digital lending, fintech, NBFC, or BFSI.
• Strong analytical and decision-making skills.
• Hands-on experience with CIBIL/credit bureau analysis, bank statement analyzers, and digital underwriting tools.
• Knowledge of regulatory norms, KYC, PPI, and loan documentation.
• Proficiency in Excel and MIS reporting.
• Excellent communication and leadership skills.

Job Type: Full-time

Pay: ₹20,000.00 - ₹30,000.00 per month

Benefits:

• Provident Fund

Work Location: In person