Credit Manager

Job Summary

We are looking for an experienced and result-oriented Credit Manager to manage credit assessment, loan/credit evaluation, risk analysis, and portfolio quality. The ideal candidate should have strong knowledge of credit processes, financial analysis, and risk management.

Key Responsibilities

• Evaluate loan/credit applications and assess the creditworthiness of customers.
• Analyze customer financial information, income, banking transactions, credit history, and other relevant documents.
• Conduct detailed credit and risk assessments in accordance with company policies.
• Verify customer documents and ensure proper completion of credit files.
• Make recommendations regarding approval, rejection, or modification of credit proposals.
• Monitor existing credit accounts and identify potential risks or irregularities.
• Ensure compliance with internal credit policies, processes, and regulatory requirements.
• Coordinate with Sales, Operations, Collection, and other departments for smooth processing of cases.
• Maintain accurate records and documentation for all credit decisions.
• Monitor portfolio performance and take appropriate action on high-risk accounts.
• Prepare credit reports, MIS, and regular portfolio/risk updates for management.
• Ensure timely resolution of credit-related queries and issues.
• Maintain high standards of data accuracy, confidentiality, and professional conduct.

Requirements

• Bachelor's degree in Finance, Commerce, Business Administration, or a related field.
• 2–5 years of relevant experience in Credit, Banking, NBFC, Lending, or Financial Services.
• Good understanding of credit appraisal and risk assessment.
• Strong analytical and decision-making skills.
• Knowledge of financial statements, banking transactions, and credit bureau reports.
• Good communication and interpersonal skills.
• Proficiency in MS Excel and basic reporting/MIS.
• Ability to work under pressure and meet business timelines.
• Strong attention to detail and ability to identify potential credit risks.

Preferred Candidates

Candidates with experience in NBFCs, financial institutions, digital lending, business loans, personal loans, LAP, or other retail/SME lending products will be preferred.

Key Skills

Credit Assessment | Credit Appraisal | Risk Analysis | Loan Underwriting | Financial Analysis | Credit Monitoring | Banking | NBFC | MS Excel | MIS | Documentation | Decision Making

What We Offer

• Competitive salary
• Performance-based incentives, where applicable
• Career growth opportunities
• Professional and supportive work environment
• Learning and development opportunities

Interested candidates can apply through Indeed with their updated CV.

Pay: From ₹300,000.00 per year

Benefits:

• Flexible schedule

Application Question(s):

• Your Current In Hand salary & Expected In hand Salary?
• Can you join us Immediately?

Education:

• Higher Secondary(12th Pass) (Required)

Location:

• Karol Bagh, Delhi, Delhi (Required)

Work Location: In person