Credit Manager - NBFC

Position: Credit Manager(AVP/VP/Regional/Zonal/Senior) - Working Capital NBFC (Unsecured Business Loan

Job Summary:

Key Responsibilities:

• Credit Assessment:

• Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data.
• Utilize credit scoring models and risk assessment tools to make informed lending decisions.

• Underwriting:

• Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower.
• Collaborate with the underwriting team to ensure accurate and timely processing of loan applications.

• Credit Policy Development:

• Contribute to the development and refinement of the company's credit policies and guidelines.
• Ensure that lending practices adhere to regulatory requirements and industry best practices.

• Risk Mitigation:

• Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests.

• Portfolio Management:

• Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults.
• Conduct periodic reviews of client financials to assess ongoing creditworthiness.

• Relationship Management:

• Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms.

• Compliance and Reporting:

• Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary.
• Generate and analyse credit-related reports to support decision-making and risk assessment.

• Team Collaboration:

• Collaborate with the sales team to understand client needs and provide input on credit decisions.
• Provide guidance and mentorship to junior members of the credit team.

Qualifications:

• 10-15 Years of Experience
• Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous.
• Proven experience in credit analysis and risk management within an 

  NBFC

  with a focus on working capital lending(Business loan, OD, CC Limits etc)
• Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors.
• Knowledge of relevant regulatory frameworks and compliance requirements.

• Willingness to travel for Personal Discussions (PDs) with own vehicle.

• Analytical mindset and proficiency in using financial modelling and risk assessment tools.

Location- Netaji Subhash Place, Delhi

CTC - Upto 13 LPA