Credit Manager
1 week ago
Propelld is a new age lending startup focusing in the education market doing an annual INR 700cr disbursal, backed by WestBridge Capital (largest in Financial Services space - backers of Axis, HDFC, CIBIL, AU small finance bank, Sharechat, Mamaearth, etc), looking to grow 20x times in the next 3 years to an eventual IPO. Propelld is set to become one of the largest FinTechs in India over the next 3-4 yrs and hence growth and opportunities will be limitless at this role.
We are looking to hire an experienced credit manager to oversee our company’s lending process. As a credit manager, you will be responsible for evaluating the creditworthiness of potential customers, creating credit scoring models, approving and rejecting high ticket sizeloans, negotiating payment terms, and updating the company’s credit policy.
To ensure success as a credit manager, you should have extensive experience with credit analysis, proficiency with accounting software, and high-level analytical skills. A top-class credit manager adds value to a company by optimizing the mix of sales to bad debt losses.
Credit Manager Responsibilities:
Evaluating the creditworthiness of potential customers.
Creating credit scoring models for risk assessments.
Approving and rejecting loans based on available data.
Calculating and setting loan interest rates.
Negotiating the terms of the loan with new clients.
Ensuring all loans and lending procedures comply with regulations.
Maintaining records of all company loans.
Monitoring loan payments and bad debts.
Reviewing and updating the company’s credit policy.
Proven experience as a credit manager or in a similar role
Strong analytical skills and attention to detail
Excellent communication and interpersonal abilities
Ability to work under pressure and meet deadlines
Knowledge of credit laws and regulations
Proficient in Microsoft Office and financial software
Bachelors degree in finance, accounting, or a related field
Experience in credit analysis, underwriting
Leadership and team management skills
Ability to develop and implement credit policies and procedures
Credit Manager duties and responsibilities
Develop and implement credit policies and procedures to ensure customer creditworthiness and minimize risk of financial loss
Analyze financial data and credit reports to evaluate the creditworthiness of potential and existing customers
Establish credit limits and payment terms for customers based on their creditworthiness and payment history
Monitor customer accounts to ensure payments are made on time and in accordance with established terms
Communicate with customers to address any credit-related issues and resolve disputes
Work closely with sales and customer service teams to ensure efficient and effective credit management
Stay up-to-date with industry trends and best practices in credit management
Prepare reports and present findings to senior management
Supervise and train credit department staff as needed.
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bangalore, India Credit Saison India Full timeAbout Credit Saison India: Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and...
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bangalore, India Credit Saison India Full timeAbout Credit Saison India: Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and...
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