Credit Manager- Personal loans
2 weeks ago
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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