Credit Officer

3 weeks ago

Noida, Uttar Pradesh, India Times Internet Full time

About Times Internet

At Times Internet, we create premium digital products that simplify and enhance the lives of millions. As India's largest digital products company, we have a significant presence across a wide range of categories, including News, Sports, Fintech, and Enterprise solutions.

Our portfolio features market-leading and iconic brands such as TOI, ET, NBT, Cricbuzz, Times Prime, Times Card, Indiatimes, Whatshot, Abound, Willow TV, Techgig and Times Mobile among many more. Each of these products is crafted to enrich your experiences and bring you closer to your interests and aspirations.

As an equal opportunity employer, Times Internet strongly promotes inclusivity and diversity. We are proud to have achieved overall gender pay parity in 2018, verified by an independent audit conducted by Aon Hewitt.

We are driven by the excitement of new possibilities and are committed to bringing innovative products, ideas, and technologies to help people make the most of every day. Join us and take us to the next level

Role Overview:

The Credit Officer will be responsible for assessing, evaluating, and approving credit applications in line with the organization's policies. The role involves analyzing financial information, monitoring creditworthiness, and mitigating risk while supporting business growth.

Key Responsibilities:

  • Credit Appraisal: Review and assess loan/credit applications, including analysis of financial statements, credit history, and repayment capacity.
  • Risk Assessment: Identify potential credit risks and ensure compliance with risk management guidelines.
  • Approval & Documentation: Ensure timely and accurate processing of credit approvals in line with company policies and regulatory requirements.
  • Portfolio Monitoring: Monitor loan accounts, track repayments, and flag early warning signals for delinquency.
  • Reporting: Prepare regular reports on credit portfolio performance, risk exposure, and NPA (Non-Performing Assets) trends.
  • Coordination: Liaise with sales, operations, and risk teams to ensure smooth processing of credit proposals.
  • Compliance: Ensure adherence to RBI and other regulatory norms, as well as internal credit policies.

Qualifications & Skills:

  • Bachelor's degree in Finance, Accounting, Economics, or related field (Master's preferred).
  • 2–5 years of experience in credit underwriting, credit analysis, or related roles in financial services.
  • Strong knowledge of credit risk assessment, financial ratios, and lending practices.
  • Familiarity with regulatory guidelines (RBI, NBFC, Banking norms).
  • Proficiency in MS Excel and financial analysis tools.
  • Attention to detail, analytical thinking, and decision-making ability.
  • Good communication and stakeholder management skills.

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