JOB DESCRIPTION – CREDIT EXECUTIVE
Company: Fintech Cloud Pvt. Ltd. – CredNidhi
Department: Credit
Location: NSP, Delhi
Industry: Fintech / Digital Lending
Employment Type: Full-Time
Job Summary
We are looking for a detail-oriented and analytical Credit Executive to evaluate loan applications, verify customer information and documents, assess creditworthiness, identify potential risks, and support timely loan sanction decisions as per company credit policies.
Key Responsibilities
- Review and process loan applications received from the Sales team.
- Verify customer KYC, income, employment, bank statements, and other required documents.
- Analyse customer financial information and repayment capacity.
- Check credit bureau/CIBIL reports and assess the customer's credit profile.
- Verify customer details through approved verification processes.
- Identify discrepancies, fraud indicators, and potential credit risks.
- Evaluate customer eligibility as per company credit policy.
- Take appropriate approve/reject/refer decisions within assigned authority.
- Ensure all required documents and information are available before sanction.
- Coordinate with the Sales and Operations teams for pending documents or clarification.
- Maintain accurate records of credit decisions in the CRM/LMS.
- Ensure applications are processed within the defined TAT.
- Escalate high-risk, exceptional, or suspicious cases to the Credit Team Leader/Head.
- Maintain confidentiality of customer and financial information.
- Follow company policies, compliance requirements, and applicable lending guidelines.
Candidate Profile
- Minimum 1–2 years of experience in Credit, Loan Processing, Underwriting, NBFC, Banking, or Fintech.
- Experience in Personal Loan, Payday Loan, Digital Lending, or Consumer Finance will be preferred.
- Good understanding of KYC and loan documentation.
- Knowledge of CIBIL/Credit Bureau reports and basic credit assessment.
- Strong analytical and decision-making skills.
- Good understanding of bank statements and income assessment.
- Good communication and coordination skills.
- Strong attention to detail and ability to identify discrepancies.
- Basic knowledge of MS Excel, CRM/LMS, and computer applications.
- Graduation preferred.
- Immediate joiners preferred.
Key Skills
- Credit Assessment
- Loan Underwriting
- KYC Verification
- CIBIL/Credit Bureau Analysis
- Bank Statement Analysis
- Risk Assessment
- Fraud Identification
- Decision Making
- Documentation Verification
- CRM/LMS Handling
- MS Excel
- TAT Management
Performance Parameters
- Application processing TAT
- Credit decision accuracy
- Productivity
- Quality of underwriting
- Documentation accuracy
- Risk identification
- Compliance with credit policy
Compensation & Benefits
- Competitive Fixed Salary
- Performance-Based Incentives
- Spot Incentives
- Career Growth Opportunities
- Training & Development
- Supportive Work Environment
- Performance Recognition
Preferred Candidate: Candidates with experience in fintech, digital lending, payday loans, personal loans, NBFCs, or banking credit operations will be given preference.
Pay: ₹18,000.00 - ₹32,537.45 per month
Work Location: In person
