Role Overview
We are seeking a detail-oriented and analytically strong Credit Manager to join our sanction team. The role involves evaluating loan applications, assessing creditworthiness, and ensuring compliance with internal policies and regulatory standards. The ideal candidate should have hands-on experience in fintech or NBFC credit processes and a sound understanding of risk assessment.
Key Responsibilities
- Evaluate and analyze loan applications across personal/business loan segments
- Conduct detailed credit assessments including income analysis, FOIR, bureau checks (CIBIL), and banking analysis
- Review KYC, financial documents, and supporting records for completeness and authenticity
- Make informed credit decisions in line with company risk policies
- Approve, decline, or recommend applications with proper justification
- Coordinate with sales, operations, and risk teams for smooth processing
- Maintain TAT and ensure high-quality underwriting standards
- Identify potential risks and flag discrepancies in applications
- Ensure compliance with regulatory guidelines and internal credit policies
Required Skills & Competencies
- Strong understanding of credit underwriting and risk assessment
- Knowledge of fintech/NBFC loan processes and policies
- Familiarity with credit bureau reports (CIBIL, Experian, etc.)
- Analytical mindset with attention to detail
- Ability to take independent credit decisions
- Good communication and documentation skills
- Proficiency in MS Excel and loan processing systems
Eligibility Criteria
- Bachelor’s degree in any relevant field
- 1–2 years of relevant experience in credit/sanction role (Fintech/NBFC preferred)
Job Type: Full-time
Pay: ₹25,000.00 - ₹35,000.00 per month
Application Question(s):
- What's your current salary?
- What's your expected salary?
- How many days of notice period you have?
- Are you comfortable with the location?
Work Location: In person
