(15h Left) Credit Manager

3 weeks ago

Bengaluru, India Propelld Full time
About Company:

Propelld is a new age lending startup focusing in the education market doing an annual INR 700cr disbursal, backed by WestBridge Capital (largest in Financial Services space - backers of Axis, HDFC, CIBIL, AU small finance bank, Sharechat, Mamaearth, etc), looking to grow 20x times in the next 3 years to an eventual IPO. Propelld is set to become one of the largest FinTechs in India over the next 3-4 yrs and hence growth and opportunities will be limitless at this role.

We are looking to hire an experienced credit manager to oversee our company’s lending process. As a credit manager, you will be responsible for evaluating the creditworthiness of potential customers, creating credit scoring models, approving and rejecting high ticket sizeloans, negotiating payment terms, and updating the company’s credit policy.

To ensure success as a credit manager, you should have extensive experience with credit analysis, proficiency with accounting software, and high-level analytical skills. A top-class credit manager adds value to a company by optimizing the mix of sales to bad debt losses.

Credit Manager Responsibilities:

- Evaluating the creditworthiness of potential customers.- Creating credit scoring models for risk assessments.- Approving and rejecting loans based on available data.- Calculating and setting loan interest rates.- Negotiating the terms of the loan with new clients.- Ensuring all loans and lending procedures comply with regulations.- Maintaining records of all company loans.- Monitoring loan payments and bad debts.- Reviewing and updating the company’s credit policy.- Proven experience as a credit manager or in a similar role- Strong analytical skills and attention to detail- Excellent communication and interpersonal abilities- Ability to work under pressure and meet deadlines- Knowledge of credit laws and regulations- Proficient in Microsoft Office and financial software- Bachelors degree in finance, accounting, or a related field- Experience in credit analysis, underwriting- Leadership and team management skills- Ability to develop and implement credit policies and procedures

Credit Manager duties and responsibilities

- Develop and implement credit policies and procedures to ensure customer creditworthiness and minimize risk of financial loss- Analyze financial data and credit reports to evaluate the creditworthiness of potential and existing customers- Establish credit limits and payment terms for customers based on their creditworthiness and payment history- Monitor customer accounts to ensure payments are made on time and in accordance with established terms- Communicate with customers to address any credit-related issues and resolve disputes- Work closely with sales and customer service teams to ensure efficient and effective credit management- Stay up-to-date with industry trends and best practices in credit management- Prepare reports and present findings to senior management- Supervise and train credit department staff as needed.

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