Credit Manager - Unsecured Business Loan

Position: Credit Manager - NBFC (Unsecured Business Loan)

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.

redit 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.

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.

Physical PDs

Qualifications:

8-15 Years of Experience

Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous.(CA/Inter-CA are preferred)

Proven experience in credit analysis and risk management within an NBFC or financial institution, 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.

Location- Netaji Subhash Place, Delhi