Credit Manager

Job Information

• Date Opened 10/08/2025
• Job Type Full time
• Industry Financial Services
• City Gurugram
• State/Province Haryana
• Country India
• Zip/Postal Code 122002

About Us

indiagold has built a product & technology platform that enables regulated entities to launch or grow their asset backed products across geographies; without investing in operations, technology, people or taking any valuation, storage or transit risks.

Our use of deep-tech is changing how asset backed loans have been done traditionally. Some examples of our innovation are – lending against digital gold, 100% paperless/digital loan onboarding process, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customer self-onboarding, gold locker model to expand TAM & launch zero-touch gold loans, zero network business app & many more.

We are rapidly growing team passionate about solving massive challenges around financial well-being.

We are a rapidly growing organisation with empowered opportunities across Sales, Business Development, Partnerships, Sales Operations, Credit, Pricing, Customer Service, Business Product, Design, Product, Engineering, People & Finance across several cities. We value the right aptitude & attitude than past experience in a related role, so feel free to reach out if you believe we can be good for each other.

Job Description

1. Loan Servicing & Post loan disbursement management

• Manage day-to-day loan servicing including loan enhancement, loan renewal, Partial release of collateral, foreclosure of loans.
• Ensure accurate data entry, validation, and documentation (KYC, bank details etc.) for all loan accounts.
• Monitor repayment and reconciliation of accounts.
• Ensure timely processing of customer requests & customer servicing team request such as loan rebook, renewal and loan statement.

2. Process & Compliance

• Ensure adherence to company policies, RBI guidelines, and internal audit standards.
• Implement and monitor SOPs for all servicing activities.
• Identify process gaps and design corrective actions to reduce errors and TAT

3. Customer Service & Escalation Handling

• Oversee resolution of customer queries related to loan accounts.
• Ensure timely response to escalations from city teams, CS teams & partner banks.

4. Cross-functional Coordination

• Coordinate with other teams for seamless loan lifecycle management.
• Support tech integrations for automation of servicing processes.

Requirements

• Strong knowledge of loan servicing (secured/unsecured) and workflows.
• Understanding of NBFC compliance norms, KYC, and data management.
• Analytical and process improvement
• Proficiency in MS Excel, loan management systems.
• Problem-solving skills.