Credit Manager- Personal loans

2 weeks ago


India Mantras2success Consultants Full time
Job Description:

Key Responsibilities:

As part of Credit team for Salaried Personal Loan:

The primary job of the credit manager is to understand:

  • the business dynamics
  • products on offer
  • various segments to whom we lend
  • To check the KYC of the customer in line with Risk policy to avoid fraudulent activities
  • Review and underwrite a broad range of complex PL loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
  • Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field reports
  • Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
  • Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team
  • Prioritizing initiatives based on the business needs and requirements
  • Align towards the growth of the Company

Key Skills:

  • A strategic planner with experience in handling Credit functions and interact with sales team
  • Good understanding of financials to arrive at a decision on lending
  • Strong time management and multitasking skills
  • Discretion and a dedication to protect the financial privacy of individuals, business partners and employer
  • Willing to work in a startup (Fintech)


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