Credit Officer

2 days ago

Rajkot Gujarat, India Khushbu Auto Finance Limited Full time

**Job Title**: Senior Credit Officer
**Location**: Rajkot, Gujarat
**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 - ₹250,000.00 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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