Credit Manager

Key Responsibilities

• Credit Appraisal & Evaluation
• Assess and evaluate loan applications for Micro LAP segment within defined authority limits.
• Analyze financial statements, bank statements, credit bureau reports, and income documents.
• Verify collateral property details, legal clearances, and valuation reports.
• Risk Assessment & Decision Making
• Identify potential risks and ensure proposals meet company’s credit policy and risk framework.
• Recommend or approve cases based on assessment, or escalate to higher authority when required.
• Ensure adherence to regulatory guidelines and internal compliance standards.
• Portfolio & Policy Management
• Maintain portfolio quality through strong underwriting practices.
• Monitor early warning signals and take proactive steps to minimize NPAs.
• Provide feedback to policy team for improving product & credit norms based on ground realities.
• Coordination & Support
• Liaise with sales, operations, legal, and technical teams for smooth processing of cases.
• Provide training and guidance to sales teams on credit norms and documentation.
• Documentation & Record Keeping
• Ensure complete and accurate documentation before sanctioning loans.
• Maintain MIS and reports for credit decisions, TAT, and portfolio tracking.

Job Type: Full-time

Pay: ₹303,412.37 - ₹1,093,626.15 per year

Work Location: In person