Credit Officer

Job Title: Senior Credit Officer
Location: Rajkot, Gujarat
Company: Khushbu Auto Finance Ltd.

About Us:

Khushbu Auto Finance Ltd. is a growing NBFC committed to providing tailored financing solutions with a strong focus on customer satisfaction and responsible lending. We are expanding our team and seeking experienced credit professionals to join our Rajkot branch.

Job Description:

We are looking for a detail-oriented and experienced Senior Credit Officer to oversee and manage the credit evaluation process for auto finance loans. The ideal candidate will play a critical role in ensuring the quality of our loan portfolio, assessing risk, and supporting business growth with sound credit decisions.

Key Responsibilities:

• Evaluate loan applications, conduct credit risk analysis, and approve/recommend credit decisions in line with company policies.
• Perform financial analysis of borrowers including income assessment, credit history, and other risk factors.
• Visit clients (as required) for verifications and field assessments.
• Coordinate with the sales and operations teams for seamless loan processing.
• Monitor overdue accounts and assist in the formulation of collection strategies.
• Ensure compliance with internal and regulatory credit policies.
• Prepare and present credit reports and MIS to management.
• Assist in training and mentoring junior credit staff.

Qualifications & Experience:

• Bachelor’s degree in Finance, Commerce, or related field (MBA/CA/ICWA preferred).
• Minimum 3-5 years of experience in credit appraisal, preferably in auto finance or NBFC sector.
• Strong knowledge of credit underwriting processes and risk assessment.
• Familiarity with local markets and demographics in and around Rajkot.
• Excellent analytical, communication, and decision-making skills.
• Proficiency in MS Office and financial analysis tools.

Job Benefits:

• Provident Fund (PF)
• Employees’ State Insurance (ESIC)
• Gratuity
• Mediclaim Coverage
• Group Mediclaim Policy
• Annual Paid Leaves

Job Type: Full-time

Pay: ₹200,000.00 - ₹250,000.00 per year

Benefits:

• Health insurance
• Paid sick time
• Paid time off
• Provident Fund

Schedule:

• Day shift

Supplemental Pay:

• Performance bonus
• Yearly bonus

Work Location: In person