Credit Executive

**WELCOME TO OLX**

**At OLX, we shape the future of trade to unlock the hidden value in everything.**

We help people buy and sell cars, find housing, get jobs, buy and sell household goods, and much more, all via our network of trading platforms. Our 10,000 colleagues help to serve 300 million people around the world every month, through 20 well-loved local brands such as OLX Autos, Otomoto, and Property24.

We are looking for a Credit Executive - Dealer Financing who can support on the entire life cycle of the credit assessment process, starting from the assessment of the creditworthiness of dealers.

**"This role is for a fixed-term contract of 3 months. Renewal will depend on employee's performance rating and business requirements. Contract shall automatically expire on the last day if it is not renewed or terminated."**

**What you will do**:

- Evaluating the creditworthiness of potential customers
- Support in the creation of CAM (Credit Appraisal Memorandum)
- Part of credit assessing enhancement request
- The incumbent will also be involved in periodic reviews of credit for dealers from time to time, with a goal to ensure healthy wholesale/ channel finance books
- Working on Early Warning Signals (EWS) and follow-up for requisite action by the Sales
- Ability to identify and make recommendations for approval of policy exceptions
- Ensuring all loans and lending procedures comply with regulations
- Analyzing and mitigating risks on new as well as existing customers
- Minimal rework/errors as part of underwriting quality
- Maintaining TAT as per guidelines

**Who we're looking for**:

- 3-5 years of experience in credit profile for Channel finance, auto loan, unsecured
- business loan, MSME Loans with Banks, NBFC’s / Fintech NBFC’s
- Process Driven and good operational understanding of credit underwriting
- Self-Starter, Process Driven / Process Oriented

**What we'll give you**:

- Opportunity to work in an early-stage growing company
- To be part of the used car industry in its nascent stage
- Great learning opportunity to interact with different departments
- Exposure to demonstrate performance to a large audience

We are turning

If you are as excited as us about this position and our company, we hope you join us

**Why join OLX?**
- At OLX, we unlock value in our people. We invest in ourselves and each other to reach our full potential. We avoid bureaucracy and empower our teams to innovate; with opportunities, training, and leadership behaviors a focus for all. Our commitment to inclusion ensures we listen to a diverse range of voices when making decisions. And, we combine the spirit and agility of a startup with our global scale and the backing of Prosus, one of the largest consumer internet groups in the world.
- We also unlock value for our stakeholders. We are proud of the positive contribution we make to our planet, by enabling more conscious consumption and helping the world make the most of its limited resources through more efficient trade.
- And last but not least, we love to unlock value for our customers. Every single month, over 300 million people use our platforms to easily, safely, and conveniently find their perfect home, buy or sell a car, find a great job, sell things they no longer need, or strike a great deal on something they need. And we help thousands of entrepreneurs and businesses find their customers too.

**Diversity, Equity and Inclusion at OLX**
- If you do not meet every single requirement for this role, we would still encourage you to apply. At OLX, we are committed to creating a high performing diverse, inclusive and authentic workplace, we know that we get the best results when we have the broadest range of knowledge, backgrounds, and experiences in our team, and we believe you are at your best when you can bring your whole self to work.
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