Credit Manager

Credit Appraisal & Underwriting

• Assess and approve/reject unsecured loan and small personal loan applications as per policy guidelines.
• Evaluate and approve/reject digital loan applications (personal loans, STPL, P-day Loans small business loans, etc.) as per credit policy
• Analyze applicants creditworthiness using financial data, income analysis, credit bureau reports, and risk indicators.
• Ensure balanced judgment between automation outputs and human intervention in borderline cases
• Recommend appropriate credit limits and structures based on risk assessment
• Maintain credit quality while meeting business volume and turnaround time (TAT) targets
• Ensure compliance with RBI and other regulatory guidelines related to digital lending.

Risk & Portfolio Management

• Develop and update credit policies, risk frameworks, and approval matrices for digital lending.
• Collaborate with data science and product teams to refine credit scoring models and decision engines.
• Ensure credit decision parameters align with business strategy and regulatory requirements
• Track and analyze portfolio performance metrics such as delinquency rates, roll rates, and loss ratios.
• Identify early warning signals and implement corrective measures to control NPAs.
• Conduct periodic risk reviews and stress testing of the loan book

Required Skills:-

• Deep understanding of digital credit models, alternative data, and AI-based scoring systems.
• Strong analytical and decision-making abilities with attention to detail.
• Familiarity with credit bureau systems (CIBIL, Experian, CRIF, etc.) and digital lending APIs.
• Excellent stakeholder management and communication skills.
• Working knowledge of RBI Digital Lending Guidelines and fair lending practice