Credit Manager

Key Responsibilities:

1. Credit Evaluation & Risk Assessment:

· Evaluate and approve credit proposals by analyzing financial, business, and industry risks.

· Ensure accurate credit underwriting in line with company policies and risk appetite.

· Assess borrower creditworthiness through financial statements, banking behavior, and track records.

2. Financial Analysis:

· Analyze financial statements to assess short-term and long-term solvency, liquidity, and repayment capacity.

· Identify potential credit risks and recommend appropriate mitigates.

3. Team Leadership & Operations:

· Lead, guide, and supervise a team of credit executives to ensure efficient credit operations.

· Monitor productivity, approval quality, and adherence to prescribed TAT.

· Provide training and mentoring to improve team performance.

4. Process Control & Audit:

· Establish and maintain a strong audit and control framework.

· Conduct regular audits and ensure timely closure of audit observations.

· Ensure compliance with internal policies, regulatory requirements, and NBFC guidelines.

5. Customer & Stakeholder Management:

· Understand customer requirements and ensure prompt and effective service delivery.

· Coordinate with sales, operations, and other internal stakeholders for smooth credit processing.

6. MIS & Reporting:

· Prepare and analyze MIS reports for management and key stakeholders.

· Use basic analytics to track performance metrics, approval ratios, and portfolio quality.

7. Vendor & External Coordination:

· Manage relationships with external vendors involved in credit processes (e.g., agencies, auditors).

· Ensure seamless coordination and service quality.

8. Portfolio Monitoring:

· Monitor disbursements and repayment behaviour.

· Track payments and flag early warning signals to minimise delinquencies.

Qualification- CA (Chartered Accountant)

Job Types: Full-time, Fresher

Pay: ₹300,000.00 - ₹800,000.00 per year

Work Location: In person