Business Credit Manager

4 days ago


Guindy Chennai Tamil Nadu, India Sarvajith Infotech Full time ₹ 3,82,000 - ₹ 5,74,714 per year

Skills & Qualifications:

  • Bachelor's degree in Commerce, Finance, Economics, or related fields (MBA preferred).
  • Strong understanding of credit underwriting, business financial analysis, and risk assessment.
  • Good knowledge of SME/MSME business models, unsecured/secured business loans, and working capital products.
  • Excellent analytical and decision-making skills.
  • Proficiency in MS Excel and credit assessment tools.
  • Strong communication and coordination ability

Key Responsibilities:

1. Credit Evaluation & Decision Making

  • Review and assess business loan proposals submitted by Relationship Officers.
  • Analyse financial statements, cash flow, business performance, and collateral valuations.
  • Make credit decisions within delegated authority or recommend cases for higher approval.
  • Ensure thorough due diligence, risk identification, and accurate documentation.

2. Portfolio & Risk Management

  • Monitor branch loan portfolio performance, including delinquency, restructuring, and early warning signals.
  • Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
  • Identify potential high-risk accounts and implement corrective measures.
  • Conduct periodic reviews of existing loan accounts to ensure sustainability and profitability.

3. Operational & Compliance Oversight

  • Ensure all loan files, documents, and approvals are complete, accurate, and properly archived.
  • Coordinate with legal, compliance, and operations teams on loan disbursements, collateral registration, and policy updates.
  • Support audit processes and resolve credit-related findings.

4. Team Leadership & Collaboration

  • Supervise and guide Credit Officers and Relationship Officers in credit analysis and documentation.
  • Provide training on credit policies, risk assessment, and underwriting standards.
  • Work closely with the branch sales team to balance growth with prudent lending practices.
  • Foster a culture of discipline, compliance, and continuous improvement

5. Business Support & Customer Service

  • Participate in client visits when necessary to assess business operations and validate credit information.

Job Type: Full-time

Pay: ₹382, ₹574,714.08 per year

Work Location: In person


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