Credit Manager

Job Description

Job Title: Credit Manager Department: Credit & Risk Location: Noida Sector 75, Spectrum Metro Mall, Phase-II Industry: Financial Services Minimum Exp: 5 to 8 yrs Salary: Up to 8LPA Company Website: www.directcredit.in Cont: 9773593871. Job Summary: We are looking for a reliable and experienced Credit Manager to oversee the credit assessment and loan approval process for HL, LAP & MSME loans . The Credit Manager will play a critical role in evaluating customer financials, mitigating risks, and ensuring portfolio quality while complying with regulatory guidelines and internal policies. Key Responsibilities: · Assess creditworthiness of potential customers based on financial statements, income documents, CIBIL reports. · Evaluate loan applications and make informed recommendations or approvals within delegated authority. Able to handle the big-ticket size (our ticket size is start from 50L) · Ensure timely processing and disbursement of loans with strict adherence to company policies and compliance norms. · Monitor loan portfolio performance, identify delinquent accounts, and initiate corrective actions. · Coordinate with the sales and collections team for seamless operations. · Maintain proper documentation and records for audits and regulatory inspections. · Analyze market trends, customer segments, and competitor offerings to suggest improvements in credit policy. Key Requirements: · Bachelor’s degree in Finance, Accounting, Economics, or a related field (MBA preferred). · 5–8 years of experience in credit underwriting, preferably in the loan/financial services sector HL, LAP & MSME. · Strong understanding of credit risk analysis, financial ratios, and regulatory norms (RBI, NBFC guidelines). Show more Show less