Sr. Credit Manager - Workings Capital - CA's preferred

Company Description

Oxyzo Financial Services deeply understands the business needs of SMEs and aims to transform them into large enterprises by offering customized credit solutions. These solutions help SMEs expand operations, increase revenue, and improve profit margins. Known for low-interest rates, collateral-free credit options, and rapid loan processing, Oxyzo is a leading lending option for SMEs in India. Serving thousands of SMEs, Oxyzo disburses over 4000 crores annually and has 9000+ crores in assets under management (AUM).

Role Description

This is a full-time, on-site role for a Sr. Credit Manager - SME at Oxyzo Financial Services, located in Chennai. The Sr. Credit Manager will be responsible for evaluating and managing the creditworthiness of SME clients, assessing credit risk, and making recommendations for credit approvals. The role includes examining financial statements, conducting credit analyses, and ensuring compliance with credit policies and procedures.

Underwriting / Appraisal of credit proposals in line with the policy laid down by TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/other funding requirements of the SME.

Key Responsibilities:

• Perform Financial Analysis: assess balance sheets, profitability, and net worth.
• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.
• Recommend loan decisions (Approve/Reject) as per credit policy.
• Collaborate with Sales and Operations Teams to support disbursements and business targets.
• Monitor portfolio performance and suggest

Qualifications

• Credit Management, Credit Risk Management, and Credit Skills
• Strong Analytical Skills and Finance knowledge
• Excellent written and verbal communication skills
• Ability to work independently and as part of a team
• Minimum of 3-6 years of experience in credit management or a related field
• Bachelor's degree in Finance, Accounting, Business, or a related field; CA preferred
• Experience in the SME sector is a plus