Senior Credit Manager

3 weeks ago


Bengaluru, Karnataka, India Credit Saison Finance Pvt Ltd Full time

As a Senior Credit Manager at Credit Saison Finance Pvt Ltd, you will play a key role in driving the credit practice for our Business Loan (BL) segment, aligning with the company's defined risk philosophy. You will lead a team of credit managers to ensure due diligence in credit analysis, deviations management, evaluation, underwriting, and sanctioning of loans.

  • Develop and Implement Credit Policies
  • Lead Credit Team
  • Manage Credit Portfolio
  • Collaborate with Cross-Functional Teams

You will also be responsible for setting up and leading a team of credit managers for managing day-to-day credit approvals under our Priority Loan (PL) vertical, driving towards assessing creditworthiness of borrowers using data points and adherence to the defined Credit policy checks.

  • Drive Creditworthiness Assessment
  • Ensure Audit Compliance
  • Implement Good Practices
  • Monitor Delinquencies

In addition, you will work closely with the channel partners to gather business trends and developments, implement good practices, and share early warning trends with teams. You will also work closely with the Business development, Tech, Product, and Operations & support teams to offer innovative products.

  • Collaborate with Cross-Functional Teams
  • Drive Innovative Products
  • Ensure Regulatory Compliance

You will be responsible for delivering quality portfolio within defined timeframes and extending support for collection activities whenever required. You will also promote a culture of teamwork within the team and continuously upgrade the skills of our credit managers with credit, market, and industry intelligence.

  • Maintain High-Quality Portfolio
  • Develop Team Members
  • Stay Up-to-Date with Industry Trends

Finally, you will be responsible for monitoring and owning a complete product portfolio among different products/channels we may work with, conducting monthly analysis of parameters like customer base, profile, loan average ticket size, and tenure, if within decided norms.

  • Monitor Product Portfolio
  • Conduct Regular Analysis
  • Ensure Compliance with Decided Norms

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