Credit Manager

DIRECT CREDIT EMPLOYEE’s BENEFIT POLICY

Company future prospect:  We are not a corporate DSA (Direct Selling Agent). Our organization is currently in the process of obtaining NBFC (Non-Banking Financial Company) registration, and we will be operating as a registered NBFC in the near future.

Note: We are not sacrifices form company policy.

Employee Benefits Policy

Provident Fund (PF), Statutory Leaves, Employee State Insurance Corporation (ESIC)

up to ₹10 Lakhs (Including Family, (Parents & Wife with two Kids),

₹3LPA (Minimum) if the salary is Up to 6LPA the insurance amount will ₹25 Lakhs (Including Family, (Parents & Wife with two Kids),

*Salary Increment: Salary increment will do with in three month (It is purely based on performance)*

Note: Salary is fixed; however, achieving assigned targets remains mandatory as per performance guidelines.

Performance Bonus:

bonus equivalent to 15 days’ salary

additional bonus of 15 days’ salary

employee performance and adherence to company policies

eight consecutive months

For Executive Level (PL & BL):

For Executive Level Mortgage Department:

INR 50,000 and INR 1,00,000

INR 1,00,000

Note:

second Saturdays

Saturday to meet targets

All employees are expected to adhere to these policies to ensure smooth operations and maintain eligibility for the mentioned benefits.

Job Title:

Contact: hr@directcredit.in/ 7982133804

Website:

Location:

Salary: up to 10LPA

o Assess and analyze working capital finance proposals for SME/MSME clients.

o Conduct detailed financial analysis including balance sheet, profit & loss, cash flow, and ratios.

o Perform risk assessment and mitigation analysis across industries and client profiles.

o Prepare and present credit appraisal memos (CAM) for sanctioning authorities.

o Conduct background checks and site visits as part of due diligence.

o Coordinate with legal, technical, and valuation teams for report assessments.

o Ensure KYC, AML, and compliance checks are completed.

o Ensure adherence to credit policies and approval matrix.

o Assist in periodic review and update of credit policies related to working capital.

o Review and verify legal and security documents before disbursement.

Key Skills & Competencies:

• Strong analytical and financial skills
• Good understanding of working capital products (CC/OD, Bill Discounting, etc.)
• Knowledge of credit underwriting standards and regulatory guidelines
• Effective communication and interpersonal skills, able to work in TAT.

Qualifications:

• Graduate/Postgraduate in Finance/Commerce/MBA (Finance).
• 2–5 years of experience in credit underwriting, preferably in SME/MSME segment
• Prefer candidate, NBFC or cooperate DSA’s experience is consider only.
• Candidate should have stable profile.

Call: 7982133804