Cluster Credit Manager

2 weeks ago


Delhi, Delhi, India Premium Finlease Pvt. Ltd. Full time
Job Description: Cluster Credit Manager, HL-LAP
Position:

Credit Manager
Experience Required:

5-6 Years
Industry:

Non-Banking Financial Company (NBFC)
Location:

Hisar
Employment Type:

Full-time
About the Role:
We are seeking an experienced and detail-oriented Credit Manager to oversee the credit evaluation, TVR (Telephonic Verification Report) calling, and file processing functions within our NBFC. The ideal candidate will have a strong background in credit management, an analytical mindset, and a deep understanding of NBFC operations, lending practices, and regulatory compliance.
Key Responsibilities:
Credit Assessment & Approval:
Evaluate loan applications, analyze financial statements, and assess the creditworthiness of individuals and businesses.
Conduct detailed credit appraisals to ensure compliance with company policies and regulatory requirements.
Approve or recommend loans within delegated authority levels.
TVR Calling & Verification:
Oversee and perform Telephonic Verification Reports (TVR) to authenticate applicant information.
Ensure the accuracy of data collected during TVR calls and resolve discrepancies promptly.
Maintain thorough records of TVR activities and ensure alignment with compliance standards.
File Processing & Documentation:
Supervise the end-to-end processing of loan files, ensuring timely and accurate completion.
Verify that all required documentation is submitted and complies with company and regulatory guidelines.
Liaise with stakeholders to address any gaps or delays in the file processing workflow.
Risk Management:
Identify, analyze, and mitigate credit risks to maintain a healthy loan portfolio.
Monitor portfolio performance and implement measures to control delinquency rates.
Develop strategies to optimize the credit approval process without compromising risk standards.
Policy Development & Compliance:
Update and implement credit policies in line with industry standards and company objectives.
Ensure all processes comply with RBI guidelines and other applicable regulatory frameworks.
Team Leadership & Training:
Lead, train, and mentor a team of credit analysts and officers, ensuring high-quality performance.
Provide ongoing support and feedback to enhance team capabilities.
Reporting & Communication:
Prepare and present periodic credit performance, TVR summaries, and risk analysis reports to senior management.
Collaborate with sales teams, operations, and other departments to ensure seamless processes.
Key Skills & Competencies:
Expertise in credit risk assessment, TVR calling processes, and file processing in NBFCs.
Strong analytical skills with the ability to interpret and act on financial data.
Familiarity with regulatory requirements and NBFC operational guidelines.
Excellent leadership, communication, and decision-making abilities.
Proficiency in using financial analysis tools and software.
Qualifications:
Bachelor's degree in Finance, Accounting, Economics, or a related field (Master's degree preferred).
Proven experience of 5-6 years in credit management, including TVR calling and file processing in an NBFC or financial services organization.
Certification in credit risk management or related fields is a plus.
What We Offer:
Competitive salary and performance-based incentives.
A dynamic work environment with growth opportunities.
Professional development and training programs.

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