Senior Credit Manager

4 days ago

Gurgaon, Haryana, India L2GFincap Full time ₹ 15,00,000 - ₹ 25,00,000 per year

***Job Description – Credit & Operations Manager

Location: New Delhi / Gurugram

Department: Credit & Operations

Reporting To: Senior Management / COO
*About Loan2Grow Fincap
Loan2Grow Fincap is an NBFC focused on innovative short-term credit solutions, including Earned Wage Access (EWA), payday loans, and other financial products catering to both prime and sub-prime customer segments. We aim to drive financial inclusion through responsible lending, robust risk management, and customer-centric operations.

Role Overview
We are seeking a Credit & Operations Manager to lead and oversee the credit and operations function. The role will be responsible for credit assessment, KYC, documentation, risk management, and loan operations, while supervising a team of Credit & Operations Associates. The ideal candidate should have hands-on experience in short-term lending/payday loan products and proven expertise in evaluating both prime and sub-prime customers.

Key Responsibilities
Credit & Risk Management
Develop and implement credit assessment frameworks for short-term loan products.

Evaluate creditworthiness of prime and sub-prime customers using both traditional and alternative data points.

Approve/reject loan applications within defined credit policy thresholds.

Monitor portfolio quality, default rates, and recommend corrective actions.

Collaborate with the Credit Manager/Product Head on policy revisions and risk mitigation strategies.

Operations & KYC/Documentation
Oversee KYC, loan documentation, and compliance processes in line with RBI and company guidelines.

Ensure smooth loan processing, disbursement, and repayment operations.

Drive process automation and efficiency improvements within the operations team.

Coordinate with external partners (fintechs, employers, verification agencies) for seamless customer onboarding.

Team Leadership & Coordination
Lead, mentor, and monitor a team of Credit & Operations Associates.

Allocate responsibilities across credit checks, KYC, documentation, and loan servicing.

Ensure adherence to service-level agreements (SLAs) and turnaround times (TATs).

Conduct training sessions on credit analysis, fraud detection, and compliance.

Compliance & Reporting
Maintain strict adherence to regulatory and internal compliance frameworks.

Prepare and present MIS reports on credit performance, operational efficiency, and risk indicators.

Liaise with auditors, regulators, and management for smooth operations and reporting.

Requirements
Qualifications & Experience

Graduate/MBA/CA or equivalent in Finance, Banking, or related field.

5–8 years of experience in credit and operations in NBFCs/fintechs/banks.

Prior exposure to short-term loans/payday loans is highly preferred.

Strong understanding of credit assessment for both prime and sub-prime customers.

Experience in handling KYC, loan documentation, and regulatory compliance.

Skills & Attributes
Strong analytical and credit risk assessment skills.

In-depth knowledge of lending regulations and compliance norms.

Leadership qualities with ability to manage a team and cross-functional stakeholders.

Process-driven with attention to detail and problem-solving abilities.

Excellent communication and interpersonal skills.

Proficiency in MS Excel, MIS reporting, and loan management systems (LOS/LMS).

What We Offer
Opportunity to work in a high-growth NBFC driving financial inclusion.

A dynamic work environment with learning and leadership opportunities.

Competitive salary and performance-linked incentives.

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