Credit Executive

3 days ago

Delhi Delhi IN Noida Uttar Pradesh IN Enerjazz Full time

Role: Credit Executive\Function: Credit, Risk & Collections\Objective:_Ensure strict and disciplined credit evaluation, onboarding, verification, and repayment monitoring of e-rickshaw drivers purchasing Enerjazz lithium-ion batteries. Build a robust credit system that balances growth with portfolio quality.Role ObjectiveOwn end-to-end driver credit evaluation and repayment discipline across regions. This role ensures Enerjazz installs batteries only with safe, validated customers and maintains low default rates through strong follow-ups, documentation, and field verification workflows.Key Responsibilities1. Credit Evaluation & Customer OnboardingConduct phone-based and field-based verification (directly or via outsourced partner).Confirm KYC, address, vehicle details, route, daily earnings, and references.Identify fraud signals, mismatched information, or risky profiles.Score and categorize customers (A/B/C) using Enerjazz's internal criteria.Approve or reject applications with clear documentation.2. Documentation & ComplianceEnsure complete KYC, rental agreement, RC, permit, Aadhaar, photos, and signatures before approval.Maintain accurate, audit-ready files in Google Drive/CRM.Cross-check duplicate customers, mismatched RCs, or wrong guarantor references.3. EMI Tracking & Collections SupportTrack daily/weekly EMI status using CRM + Google Sheets.Proactively call customers before due dates and escalate overdue cases.Coordinate with field collection agents when needed (for POS visits or reminders).Maintain bucket-wise recovery performance.4. Coordination With Sales & OpsWork closely with the Sales team to validate customers being onboarded.Ensure no installation happens without credit clearance.Coordinate with Logistics for installation timing based on approval status.5. Reporting & AnalyticsPrepare weekly dashboards covering:Approval rateRejection reasonsPending casesCollection efficiency7/14/30 day overdue bucketsRecommend improvements to credit policy based on field learnings.Must-Have SkillsStrong Hindi communication (driver-level + professional-level).High discipline with documentation and Google Sheets.Ability to detect fraud patterns and inconsistencies.Comfort in fieldwork (spot checks, dealer visits, customer house visits).Calm, firm, and assertive mindset for credit + collections.Bonus SkillsExperience in NBFC, e-rickshaw financing, microfinance, two-wheeler loans, battery financing, or collections.Ability to speak basic English for internal coordination.Knowledge of rural/urban last-mile transport ecosystem.KPIs You Will OwnCredit Approval Accuracy: < 5% cases turning into NPAEMI Collection Efficiency: > 92%Documentation Accuracy: > 98%Turnaround Time: Credit decision within 4 hrsFraud/Bad Case Leakage: < 1%Growth PathSenior Credit Analyst (12–18 months)Credit & Collections Lead (24–36 months)Opportunity to build the credit team as Enerjazz scales pan-IndiaWhy Join Enerjazz?Shape the credit engine of one of India's fastest-growing EV battery startups.Work directly with the founder on mission-critical decisions.Be part of an ambitious team solving mobility and financing challenges for thousands of drivers.Competitive salary + performance incentives + future ESOP pool.

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