Sr. Credit Officer

As a Senior Credit Officer at Khushbu Auto Finance Ltd., you will play a crucial role in assessing and evaluating loan applications, creditworthiness, and financial background of customers. You will be responsible for conducting thorough credit appraisals and preparing detailed credit reports. Your decision-making skills will be put to test as you recommend loan approvals or rejections in accordance with company policies and risk appetite. Collaboration with sales and collection teams is essential to streamline loan processing and recovery. Moreover, ensuring compliance with internal policies, regulatory norms, and audit requirements will be a key part of your responsibilities. Your role will also involve training and mentoring junior credit officers to contribute to team performance and development. Qualifications & Skills required for this role include a Bachelors degree in Finance, Commerce, or a related field (MBA preferred) and a minimum of 3-5 years of experience in credit underwriting or loan processing, preferably in auto finance. You should possess strong analytical skills with attention to detail, excellent communication skills, and sound decision-making abilities. Knowledge of financial documentation, credit policies, and lending regulations will be beneficial in performing your duties effectively. Additionally, Khushbu Auto Finance Ltd. offers the following job benefits: - Provident Fund (PF) - ESIC - Gratuity - Mediclaim Insurance - Yearly Paid Leaves Please note that the work location for this role is in person at Ahemdabad.,