Credit Manager

4 days ago


Kalavasal Madurai Tamil Nadu, India Vetrivikas capital Full time ₹ 3,00,000 - ₹ 3,60,000 per year

We are looking for a credit Manager -MEL (Un secured Loan )

His / Her Roles includes :

Job Title: Credit Manager – Group & Individual Loans

Department: Risk Management

Reports to: Top Management

Location: Kalavasal

Employment Type: Full-Time

Gender: Mal & Female can apply

Credit Evaluation & Approval:

  • Review and assess group and individual loan applications for creditworthiness and risk.
  • Analyze borrower financials, business potential, and repayment capacity.
  • Approve or recommend loans within assigned authority limits; escalate where required.

Portfolio Management & Risk Monitoring:

  • Monitor loan portfolio performance, track Portfolio at Risk (PAR), and ensure timely follow-ups on overdue accounts.
  • Identify early warning signs of default and implement risk mitigation strategies.
  • Oversee field credit operations and conduct regular audits of client files and documentation.

Policy Implementation & Compliance:

  • Ensure all credit activities comply with internal policies, procedures, and regulatory standards.
  • Review and update credit assessment tools and underwriting criteria.
  • Provide inputs for policy refinement based on market trends and risk exposure.

Team Supervision & Capacity Building:

  • Lead, mentor, and train field staff on loan assessment, documentation, and risk management.
  • Conduct field visits with team members to ensure accurate client assessment and compliance.
  • Set performance targets and evaluate staff performance regularly.

Key Performance Indicators (KPIs):

  • Portfolio at Risk (PAR) levels within acceptable limits.
  • Loan approval turnaround time.
  • Credit team performance and productivity.
  • Compliance audit scores and regulatory adherence.
  • Loan recovery and write-off rates.

Work location: Madurai

Candidate can reach us at

Job Type: Full-time

Pay: ₹25, ₹30,000.00 per month

Benefits:

  • Health insurance
  • Life insurance

Work Location: In person



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