Senior Credit Officer

Job Title: Senior Credit Officer
Location: Ahmedabad
Salary: ₹25,000 – ₹30,000 CTC (depending on experience)

Company Overview:

Khushbu Auto Finance Ltd. (KAFL) is a Non-Banking Financial Company (NBFC) specializing in vehicle finance, particularly for two- and three-wheelers. Incorporated in 1994, KAFL is a wholly-owned subsidiary of Atul Auto Limited (AAL) — a leading three-wheeler manufacturer. With its corporate office in Rajkot, Gujarat, KAFL has been registered with the Reserve Bank of India (RBI) since 1999 and operates as the captive financing arm for Atul Auto Ltd. The company has a strong network of over 100 branches across 14 states, with a strong presence in Gujarat and Bihar.

Job Description:

We are looking for an experienced and detail-oriented Senior Credit Officer to join our team in Ahmedabad. The ideal candidate will play a key role in evaluating credit proposals, assessing financial risk, and ensuring high-quality credit decisions aligned with company policies.

Key Responsibilities:

• Assess and analyze creditworthiness of loan applicants for two- and three-wheeler financing.
• Evaluate customer financials, CIBIL reports, and field investigation reports.
• Approve/recommend loans as per defined credit policy and risk appetite.
• Maintain TAT and accuracy in credit appraisal and decision-making.
• Guide and support junior credit officers and coordinate with sales & operations teams.
• Identify potential risks and suggest improvements to credit processes.
• Ensure compliance with company and RBI norms.

Qualifications & Skills:

• Graduate / MBA in Finance or related field.
• Minimum 2–4 years of experience in credit or loan processing (preferably in NBFC/vehicle finance).
• Strong analytical and decision-making skills.
• Good communication and documentation ability.
• Proficiency in MS Excel and credit evaluation tools.

Job Types: Full-time, Permanent

Pay: ₹25,000.00 - ₹30,000.00 per month

Benefits:

• Health insurance
• Provident Fund

Work Location: In person