Area Credit Manager
21 hours ago
Job Description
1-Evaluate institutional loan proposals - especially educational institutions (schools, colleges, coaching centers)
2-Prepare credit approval memos, structure deals, define loan terms in line with internal credit policy
3-Monitor the credit portfolio for assigned geography / institutions: watch delinquency, non-performing accounts, early warning signals
4-Work with operations / disbursal teams to ensure timely and accurate disbursement of loans
5-Liaise with Legal / Technical / Valuation teams for due diligence (if collateral or other security is involved)
6-Train or guide sales / operations teams on credit policy, documentation, and risk requirements
7-Ensure compliance with relevant regulatory norms
8-Support internal and external audits related to the credit function
Key Responsibilities:
1-Relevant work experience of 5–7 years in NBFC / Fintech
2-Strong financial analysis skills: ability to interpret P&L, balance sheet, cash flows
3-Risk assessment capability
4-Good knowledge of credit policies, legal documentation, regulatory compliance
5-Excellent stakeholder management
6-Communication & negotiation skills
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