Credit Manager

Product:

CTC upto 16 LPA

About the Role:

We are scouting for individuals who will be building, planning and implementing the overall finance strategy. If you want to start small, impact large - this is the place for you.

Key Responsibilities:

●Credit Risk Assessment: Analyze Bank statements, Bureau reports, and other related documents to assess credit risk and the financial health of clients

●Credit Evaluation: Provide recommendations based on credit scoring models and financial performance, ensuring decisions align with company policies and risk management guidelines.

●Understanding of Financial Statements: Calculate and understand financial ratios and evaluate financial position of the borrower

●Customer Interaction: Communicate with clients, to gather information and resolve queries related to credit assessments.

●Compliance and Regulation: Ensure adherence to relevant credit policies, legal regulations, and best practices in credit analysis.

●Trend Analysis: Stay updated on industry trends, market conditions, and macroeconomic factors affecting credit risk.

●TAT management: Credit Analyst is held accountable for completing tasks promptly while maintaining the quality of work.

Key Requirements:

●Education: MBA(Finance) / CA / Inter CA

●Experience: 8+ years of experience in the credit vertical of any of the Financial Institution / NBFC, Digital lending background would be an added advantage.

●They must have approval authority for Unsecured Business loan

Skills:

●Strong understanding of financial statements and credit reports.

●Proficiency in financials, risk analysis, and credit scoring systems.

●Familiarity with credit-related regulations, policies, and industry Standards.

●Excellent written and verbal communication skills.

●Strong analytical, problem-solving, and decision-making abilities.

●Ability to manage multiple tasks.

Personal Attributes:

●Detail-oriented with strong organizational skills.

●Ability to work independently and in a team-oriented environment.

●Strong interpersonal skills and the ability to interact effectively with clients to understand the business model.