
Credit Officer
2 days ago
**Job Title**: Senior Credit Officer
**Location**: Vijayawada, Andhra Pradesh
**Company**: Khushbu Auto Finance Ltd.
**About Us**:
Khushbu Auto Finance Ltd. is a growing NBFC committed to providing tailored financing solutions with a strong focus on customer satisfaction and responsible lending. We are expanding our team and seeking experienced credit professionals to join our Rajkot branch.
**Key Responsibilities**:
- Perform financial analysis of borrowers including income assessment, credit history, and other risk factors.
- Visit clients (as required) for verifications and field assessments.
- Coordinate with the sales and operations teams for seamless loan processing.
- Monitor overdue accounts and assist in the formulation of collection strategies.
- Ensure compliance with internal and regulatory credit policies.
- Prepare and present credit reports and MIS to management.
- Assist in training and mentoring junior credit staff.
**Qualifications & Experience**:
- Bachelor’s degree in Finance, Commerce, or related field (MBA/CA/ICWA preferred).
- Minimum 3-5 years of experience in credit appraisal, preferably in auto finance or NBFC sector.
- Strong knowledge of credit underwriting processes and risk assessment.
- Familiarity with local markets and demographics in and around Rajkot.
- Excellent analytical, communication, and decision-making skills.
- Proficiency in MS Office and financial analysis tools.
**Job Benefits**:
- **Provident Fund (PF)**:
- **Employees’ State Insurance (ESIC)**:
- **Gratuity**:
- **Mediclaim Coverage**:
- **Group Mediclaim Policy**:
- **Annual Paid Leaves**
Pay: ₹200,000.00 - ₹275,000.00 per year
**Benefits**:
- Health insurance
- Paid sick time
- Paid time off
- Provident Fund
Schedule:
- Day shift
Supplemental Pay:
- Performance bonus
- Yearly bonus
Work Location: In person
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