Senior Credit Manager

5 days ago

Mumbai, Maharashtra, India Two Point O Capital Full time

Position Overview

We are seeking a highly experienced Senior/Credit Manager with 12-15 years of experience in credit roles, particularly in underwriting corporate and SME loans. The ideal candidate will have a strong financial services background in fast-paced environments such as new age lending platforms/fintechs and/or private banks/Non-Banking Financial Companies (NBFCs).

Knowledge of financing products like Leasing (Operating and Financial Leases), plant and machinery financing (capex loans), project financing is important.

The candidate should have experience in leading teams and should have a knack for building businesses. Experience in renewable energy sectors such as solar rooftop, energy efficiency is a plus but not mandatory. 

Key Responsibilities

  • Loan Underwriting: Analyze and underwrite loans for corporate and SME clients, ensuring compliance with internal credit policies and regulatory requirements.
  • Credit Assessment: Conduct thorough assessments of creditworthiness using financial statements, credit reports, Bank statements, GST reports and market analysis.
  • Team Leadership: Lead and mentor a team of credit analysts, fostering a collaborative environment that encourages professional development.
  • Technology Utilization: Leverage advanced technology tools for credit evaluation and risk assessment to enhance decision-making processes.
  • Portfolio Management: Monitor and manage an assigned portfolio of loans, identifying potential risks and implementing strategies to mitigate them.
  • Client Interaction: Maintain strong relationships with clients, conducting regular meetings to discuss their financial performance and address any concerns.
  • Reporting: Prepare detailed reports and presentations for senior management regarding credit decisions, portfolio performance, and market trends.

Qualifications

  • Bachelor's degree in finance, Business Administration, or a related field at the minimum. CA/MBA is a plus
  • 12-15 years of experience in credit analysis or underwriting of SME customers
  • Proven track record of leading teams and managing complex credit portfolios.
  • Strong analytical skills with the ability to interpret financial data effectively.
  • Familiarity with regulatory requirements related to lending practices.
  • Experience in the renewable energy sector is advantageous but not required.

Skills

  • Excellent communication and interpersonal skills to interact effectively with clients and team members.
  • Strong problem-solving skills with attention to detail.
  • Ability to work under pressure in a fast-paced environment.
  • Should be a go-getter and be able to drive outcomes
  • Entrepreneurial mindset and willing to be lead a business

This role offers an exciting opportunity for a seasoned credit professional to contribute to our organization's growth while ensuring sound credit practices. If you are passionate about driving results in a dynamic setting and work closely with the founding team, we encourage you to apply.

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