Credit Manager

Job Description

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. 1. Employee Benefits Policy Provident Fund (PF), Statutory Leaves, Employee State Insurance Corporation (ESIC) Gratuity, Lucrative Incentive, Group Insurance Coverage up to ₹10 Lakhs (Including Family, (Parents & Wife with two Kids), Free Lunch Facility Fixed ₹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. 2. Performance Bonus: o Employees who achieve their targets and strictly adhere to company policies for six consecutive months will be eligible for a bonus equivalent to 15 days’ salary . o If the employee continues to meet targets and comply with company policies for an additional six months, they will be entitled to an additional bonus of 15 days’ salary . 3. Diwali Bonus: o A Diwali bonus will be awarded based on employee performance and adherence to company policies . *Diwali bonus will be including Car or other (there is no limit of benefit) it is purely base of performance*. 4. Travel Incentive: o Employees who consistently achieve their targets and comply with company policies for eight consecutive months will be eligible for two travel tickets as a reward. 5. Referral Bonus: o For Executive Level (PL & BL): INR 1,000/- o For Executive Level Mortgage Department: INR 2,000/- o Salary-Based Referral Bonus: § If the referred candidate’s salary falls between INR 50,000 and INR 1,00,000 , the referral bonus will be INR 7,500 . § If the referred candidate’s salary exceeds INR 1,00,000 , the referral bonus will be INR 15,000 . o Note: The referral bonus will be disbursed to the referring employee only after the referred candidate successfully completes six months of employment with the company. 6. Weekend Offs: o All Sundays, second Saturdays of each month will be designated as Week off days . Note: If a team is required to work on a Saturday to meet targets , no compensatory off will be provided. All employees are expected to adhere to these policies to ensure smooth operations and maintain eligibility for the mentioned benefits. Job Title: Assistant Manager – Credit (Working Capital) Contact: hr@directcredit.in/ 7982133804 Website: www.directcredit.in Location: Noida Sector 75, Spectrum Metro Mall Salary: up to 10LPA Job Description: 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