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Credit Manager
1 month ago
Job Title: Credit Manager
Department: Credit & Risk
Location: Noida Sector 75, Spectrum Metro Mall, Phase-II
Industry: Financial Services
Minimum Exp: 5 to 8 yrs
Salary: Up to 8LPA
Company Website: www.directcredit.in
Cont: 9773593871.
Job Summary:
We are looking for a reliable and experienced Credit Manager to oversee the credit assessment and loan approval process for HL, LAP & MSME loans. The Credit Manager will play a critical role in evaluating customer financials, mitigating risks, and ensuring portfolio quality while complying with regulatory guidelines and internal policies.
Key Responsibilities:
· Assess creditworthiness of potential customers based on financial statements, income documents, CIBIL reports.
· Evaluate loan applications and make informed recommendations or approvals within delegated authority. Able to handle the big-ticket size (our ticket size is start from 50L)
· Ensure timely processing and disbursement of loans with strict adherence to company policies and compliance norms.
· Monitor loan portfolio performance, identify delinquent accounts, and initiate corrective actions.
· Coordinate with the sales and collections team for seamless operations.
· Maintain proper documentation and records for audits and regulatory inspections.
· Analyze market trends, customer segments, and competitor offerings to suggest improvements in credit policy.
Key Requirements:
· Bachelor's degree in Finance, Accounting, Economics, or a related field (MBA preferred).
· 5–8 years of experience in credit underwriting, preferably in the loan/financial services sector HL, LAP & MSME.
· Strong understanding of credit risk analysis, financial ratios, and regulatory norms (RBI, NBFC guidelines).
