Credit Manager

Key Responsibilities:Credit Appraisal: Conduct thorough credit appraisals and due diligence for high-value LAP loan applications, including financial analysis, property valuation verification, and client risk profiling.Risk Assessment: Analyze credit risks associated with large-ticket LAP proposals, including assessment of repayment capacity, collateral...

Company DescriptionReal Touch Finance Ltd is a registered Non-Banking Finance Company (NBFC) based in India. Established in 1984 and officially incorporated under the Companies Act, RTFL is passionate about simplifying lending processes while delivering unparalleled service. Our team is committed to empowering customers and ensuring financial inclusion for...

This role is responsible to create, review and implement credit policy for the Consumer Durable Loan business in line with business requirements. Also responsible for maintaining productivity, delivering solutions as per predefined SLAs and implementing policy-related enhancements.Role & responsibilities:Formulating and implementing policy, procedures &...

Prepare comprehensive Credit Appraisal Memorandums (CAMs) for NBFC lending, including in-depth analysis of the promoter profile, business model, market positioning, and operational strengths.Conduct detailed financial analysis of clients, including Profit & Loss statements, Balance Sheets, Cash Flow statements, and computation of key financial ratios to...

Role & responsibilitiesResponsible for Credit underwriting, credit Appraisals of Consumer Durable/ Personal Loans.Manage credit quality and control delinquencies.Understand credit policy and processes as well as credit environment in the city / branch.Ensuring 100% screening of new applications.Responsible for checking online profiling of customer in fastest...

Job Purpose:This role will be responsible to lead the design and execution of credit strategies for cross-sell personal loan programs. The role requires a strong background in retail credit risk, data-based decisioning, and exposure to NBFC or fintech ecosystems where digital origination and alternate data play a key role.The role requires to completely own...

Job Purpose:This role is responsible to lead the development and oversight of credit policies for the Consumer Durable Loans portfolio. The ideal candidate will have a strong understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, particularly within banks or NBFCs.Key Responsibilities:Develop...

Job Purpose:This role is responsible to manage and grow Pre-Approved Base (PAB) portfolio across consumer lending products such as consumer durable, cross sell, credit card, personal loan and gold loan. The ideal candidate will bring deep domain expertise in the banking sector with a strong understanding of data-driven customer targeting, product strategy,...

Credit Manager-Business Loans-Credit Role : Credit Manager for Business Loans Responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies. They analyze financial information, monitor loan performance, and manage collections, ultimately minimizing...

CHIEF RESPONSIBILITIESEnsure quality Appraisal of credit for worthy borrowers.Ensure timely credit and transaction approvals for delegation under self.Follow up with seniors for credit / transaction approvals.Managing loan portfolio with respect to credit rating/quality.Identify de risk account / AL accounts.Monitoring of Team TAT and Productivity.Ensuring...