Ramapuram Chennai Tamil Nadu Senior credit manager(nbfc) Jobs – 6 Open Jobs Today

Senior Credit Manager(NBFC)
sara jobs —Chennai, Tamil Nadu
- ₹25,479.49 - ₹89,661.76 a month
- Full-time
- Finance
- Master's degree
- Business Administration
Quick apply
1d
Accounts- Senior Manager
FPL Vehicles Pvt Ltd —Ambattur, Chennai, Tamil Nadu
- ₹80,000 - ₹90,000 a month
- Full-time
- Microsoft Excel
- Up to 50% travel
- Finance
- Health insurance
Quick apply
7d
Sr. Manager- II - Credit Life SC
ICICI Prudential Life Insurance —Chennai, Tamil Nadu
- Sales
- Master's degree
- Bachelor's degree
State Head(NBFC)
Sara infotech —Chennai, Tamil Nadu
- ₹50,000 - ₹1,00,000 a month
- Full-time
- Sales
- Finance
- Master's degree
- Paid sick time
Quick apply
1d
Sr Manager- Value Added Services _NBFC_Insurance
Saaki Argus & Averil Consulting —Chennai, Tamil Nadu
Quick apply
Lead Credit Analyst
Yubi Markets —Chennai, Tamil Nadu
- Full-time
- Travel
- Financial services
- Communication skills

Other jobs to consider

Find your next job by exploring related positions.

Senior Credit Manager(NBFC)
sara jobs —Chennai, Tamil Nadu
Recommend changes to credit parameters, eligibility criteria, scorecards, FOIR/obligation. Strong experience in unsecured business loans, MSME loans, business…
₹25,479.49 - ₹89,661.76 a month
Quick apply
1d
Senior Associate - Credit Operations
Yubi —Chennai, Tamil Nadu
In this role, you will ensure the timely completion of borrower profiles on our platform while managing the full credit operations lifecycle.

I want to receive the latest job alerts for senior credit manager(nbfc) in ramapuram chennai tamil nadu

By signing in to your account, you agree to SimplyHired's Terms of Service and consent to our Cookie and Privacy Policy.

Explore jobs in more locations

senior credit manager(nbfc) jobs near ramapuram chennai tamil nadu

Senior Credit Manager jobs in Chennai, Tamil Nadu

Senior Credit Manager jobs in Bengaluru, Karnataka

Senior Credit Manager jobs in Noida, Uttar Pradesh

Human Resource Manager jobs in Greater Noida, Uttar Pradesh

Social Media Manager Work From Home jobs in Karol Bagh, Delhi, Delhi

Relationship Manager jobs in Mumbai, Maharashtra

Senior Credit Manager jobs in Patna, Bihar

It Manager jobs in Kerala

Senior Credit Manager jobs in Mumbai, Maharashtra

Project Manager Civil jobs in Pune, Maharashtra

Senior Credit Manager jobs in Pune, Maharashtra

Housekeeping Manager jobs in Tamil Nadu

Accounts Manager jobs in Mumbai, Maharashtra

Assistant Manager jobs in Mumbai, Maharashtra

Account Manager jobs in Jaipur, Rajasthan

Hr Manager jobs in Mohali, Punjab

Purchase Manager jobs in Hyderabad, Telangana

Account Manager jobs in Kolhapur, Maharashtra

Social Media Manager jobs in Bengaluru, Karnataka

Account Manager jobs in Rajkot, Gujarat

Senior Credit Manager(NBFC)

sara jobs
Chennai, Tamil Nadu

Quick apply

Job details

Permanent | Full-time
₹25,479.49 - ₹89,661.76 a month
1 day ago

Qualifications

Underwriting
Finance
Master's degree
Risk management
Business Administration
Fraud prevention and detection
MBA
Banking

Full job description

Position: Senior Credit Manager

Industry: NBFC

Location: Chennai

Experience: 6–8 years in Credit, preferably in NBFC / Banking

Role Purpose:

The Senior Credit Manager will be responsible for managing and strengthening the credit function

for the small ticket unsecured business loan portfolio, with primary accountability for maintaining a

healthy balance between business growth, credit quality, portfolio performance and risk-adjusted

returns.

The role will involve evaluating credit proposals, setting and implementing credit frameworks,

ensuring adherence to credit policies, monitoring portfolio quality, identifying emerging risks and

working closely with Business, Operations, Collections, Risk and Product teams.

The candidate should have strong expertise in cash-flow based lending, business loan underwriting,

banking analysis, fraud identification, policy interpretation and portfolio risk management.

Key Responsibilities:

Credit Underwriting & Decision Making

Evaluate and approve/recommend small ticket unsecured business loan proposals within the

delegated authority matrix.

Assess borrower and business creditworthiness using a combination of:

o Bureau reports and repayment behaviour

o Banking transactions and cash flows

o GST / income / financial data, wherever applicable

o Business vintage and stability

o Business turnover and profitability

o Existing debt obligations and leverage

o Promoter profile and credit history

o Industry and geographic risks

o End-use of funds

Analyse banking behaviour, including credits/debits, average balances, cheque returns, EMI

servicing, cash intensity and banking conduct.

Identify early warning signals, over-leverage, bureau stress, repayment capacity concerns

and potential fraud indicators.

Take independent and well-reasoned credit decisions while ensuring adherence to approved

credit policies and risk appetite.

Ensure appropriate deviations are documented with clear rationale, mitigants and approval

as per authority matrix.

Maintain strong focus on credit quality without unnecessarily compromising legitimate

business opportunities.Credit Policy & Process Management

Support development, review and enhancement of credit policies for unsecured business

lending.

Recommend changes to credit parameters, eligibility criteria, scorecards, FOIR/obligation

norms, bureau cut-offs, exposure limits, pricing and risk-based segmentation based on

portfolio performance.

Establish and monitor credit quality benchmarks across branches/channels/locations.

Ensure consistent application of credit policies across the credit team.

Identify gaps in existing underwriting processes and recommend automation, system rules

and process improvements.

Work with Risk/Product/Technology teams to improve rule engines, credit scorecards and

automated decisioning.

Portfolio Monitoring & Risk Management

Conduct regular portfolio reviews and identify emerging risks.

Analyse portfolio performance by product, ticket size, geography, customer segment,

sourcing channel, bureau profile and vintage.

Provide recommendations for corrective action wherever deterioration is observed.

Work closely with Collections to understand delinquency trends and incorporate learnings

into underwriting.

Participate in early warning and portfolio review forums and ensure timely escalation of

material credit risks.

Ensure compliance with applicable RBI regulations, internal policies, delegation of authority,

KYC requirements and other applicable regulatory guidelines.

Team Management

Lead, coach and mentor Credit Managers / Credit Officers as applicable.

Ensure the team maintains high standards of underwriting quality, documentation and

turnaround time.

Set individual and team-level performance expectations.

Conduct regular case reviews and identify training requirements.

Ensure appropriate maker-checker controls and segregation of duties within the credit

process.

Educational Qualification: MBA / PGDM in Finance, Banking, Risk Management or equivalent

qualification preferred.

Experience:

6–8 years of relevant experience in Credit Underwriting / Credit Risk / Portfolio Risk.

Prior experience in NBFC or Bank is preferred.

Strong experience in unsecured business loans, MSME loans, business lending or other

cash-flow based lending products.

Candidates with experience managing high-volume, small-ticket credit portfolios will be

preferred.

Experience in leading a credit team and handling delegated credit authority is desirable.

Pay: ₹25,479.49 - ₹89,661.76 per month

Work Location: In person

Quick apply

Refine Your Search

senior credit manager(nbfc) jobs in ramapuram chennai tamil nadu

Senior Credit Manager(NBFC)

Accounts- Senior Manager

Sr. Manager- II - Credit Life SC

State Head(NBFC)

Sr Manager- Value Added Services _NBFC_Insurance

Lead Credit Analyst

Other jobs to consider

I want to receive the latest job alerts for senior credit manager(nbfc) in ramapuram chennai tamil nadu

Explore jobs in more locations

Jobseeker tools

Employer Tools

Browse

Stay Connected