Job Summary:
We are seeking a detail-oriented and experienced Credit Manager to oversee the credit evaluation process, manage risk, and ensure a healthy loan portfolio. The candidate will be responsible for assessing customer creditworthiness, approving loans, and maintaining portfolio quality including NPA control.
Key Responsibilities:
Evaluate loan applications and assess customer creditworthiness
Analyze financial statements, credit reports, and risk factors
Approve or recommend loan proposals within policy guidelines
Monitor portfolio performance and control delinquency and NPA levels
Develop and implement credit policies and procedures
Coordinate with collections team for recovery and overdue accounts
Conduct risk analysis and ensure compliance with regulatory norms
Prepare MIS reports and present insights to management
Maintain strong documentation and audit compliance
Requirements:
Bachelor’s degree in Finance, Commerce, Business Administration, or related field
2–7 years of experience in credit analysis or credit management
Strong knowledge of credit underwriting and risk assessment
Experience in handling NPA accounts and portfolio monitoring
Good analytical and decision-making skills
Proficiency in MS Excel and financial analysis tools
Excellent communication and interpersonal skills
Preferred Qualifications:
Experience in NBFC, Banking, or Financial Services
Knowledge of financial ratios, CIBIL analysis, and loan underwriting
Key Skills:
Credit Assessment & Underwriting
Risk Management
NPA Control & Portfolio Monitoring
Financial Analysis
Decision Making
Attention to Detail
Communication Skills
Job Types: Full-time, Permanent
Pay: ₹300,838.87 - ₹1,119,100.13 per year
Benefits:
- Health insurance
- Provident Fund
Work Location: In person
