Senior Credit Manager

2 days ago


Jaipur, Rajasthan, India Digamber Finance Full time ₹ 6,00,000 - ₹ 18,00,000 per year

Position
: Senior/Manager – Credit Operations (MSME)

Location
: Jaipur, Rajasthan

Reports To
: Chief Credit Officer

Role Overview

The
Senior/Manager – Credit Operations
is a critical leadership role responsible for managing the
end-to-end credit lifecycle
for Retail and MSME loan products. The role focuses on
credit appraisal
,
policy adherence
,
risk management
,
portfolio quality
, and
operational efficiency
, aligning with Digamber Capfin's goal of financial inclusion and sustainable lending practices.

Key Responsibilities

1.
Credit Appraisal & Processing

  • Lead underwriting, appraisal, and approvals for Retail/MSME loans.
  • Maintain TAT while ensuring quality and policy adherence.
  • Collaborate with sourcing teams for optimal credit decisions.

2.
Policy & Process Management

  • Define and upgrade SOPs in line with regulatory guidelines.
  • Drive digitization and automation in credit processing.
  • Ensure RBI compliance and address audit recommendations.

3.
Risk & Portfolio Management

  • Monitor early delinquencies and initiate corrective actions.
  • Partner with fraud risk teams on suspicious case reviews.
  • Support risk mitigation through process interventions.

4.
Leadership & Stakeholder Engagement

  • Lead and mentor the credit ops team.
  • Liaise with IT, operations, and business teams for seamless execution.
  • Ensure vendor performance for verification, valuation, etc.

5.
Operational Excellence

  • Drive KPIs: TAT, approval ratio, accuracy, and cost optimization.
  • Maintain high standards in credit documentation and decisioning.

Skills Required

  • Strong analytical & decision-making capabilities.
  • Sound knowledge of Retail & MSME lending practices.
  • Stakeholder management and leadership excellence.
  • Process-driven mindset with attention to detail.
  • Resilience under pressure and target-oriented execution.

Qualifications & Experience

  • Education
    : MBA or Graduate (Finance/Banking preferred).
  • Experience
    : 7–10 years total, with
    minimum 5 years in a leadership role
    in credit underwriting of:
    Unsecured/Secured Individual Loans, Business/MSME Loans, Retail Loans
    .

  • Credit Manager

    6 days ago


    Jaipur, Rajasthan, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role OverviewThe Credit Manager will be responsible for underwriting affordable LAP proposals within defined policy parameters while ensuring portfolio quality. The role requires strong analytical skills, knowledge of customer profiles in the affordable segment, and the ability to balance business growth with risk management.Key ResponsibilitiesApplication...

  • Credit Manager

    2 weeks ago


    Jaipur, Rajasthan, India Namdev Finvest Pvt Ltd Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    Regional Credit ManagerDepartment - Credit Qualification: Chartered Accountant (CA) Salary: Best in Industry Experience: 5-8 Years Location:Jaipur HO (Bhankrota) Experience:Relevant experience in credit department preferred. Share your updated resume now.


  • Jaipur, Rajasthan, India Electronica Finance Limited Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Job Description As a Branch Credit Manager at Electronica Finance Limited (EFL) located in Bikaner, your role involves assessing the creditworthiness of clients, managing credit risk, and analyzing financial data to make informed credit decisions. You will be responsible for evaluating loan applications, conducting credit reviews, and developing strategies...


  • Jaipur, Rajasthan, India Kotak Life Insurance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    About The Role   Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role  Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training ...


  • Jaipur, Rajasthan, India Fundwiser Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    Responsible for credit Appraisal and processing of Loan Applications.Credit Appraisal: Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of loan applicants (individuals and/or businesses).Loan Processing: Manage the loan application process from initial submission to disbursement, ensuring all...

  • Credit Analyst

    2 days ago


    Jaipur, Rajasthan, India Proowrx Knowledge Centre Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Company Profile: Proowrx LLP is a knowledge-based, data processing company focused on providing dataanalysis & business outsourcing services to Australian Mortgage Brokers. We started as service providers toa very large mortgage broking company which is among the top mortgage broking firms in Australia. We arenow working for various similar clients in the...

  • Regional Manager

    6 days ago


    Jaipur, Rajasthan, India Sindhuja Micro Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Job Title: Regional Manager MicrofinanceDepartment: Microfinance SalesLocation: RajasthanReports to: Business HeadJob Type: Full-TimeExperience Level: Mid-Senior LevelThe incumbent will be responsible for managing the microfinance business for upto 25-30 branches in North India. Key responsibilities would comprise formulating and executing the overall...


  • Jaipur, Rajasthan, India Home Credit Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Key Responsibilities:Responsible to manage location / state with team size of 50+ Field executives (Internal & external), with the help of Team Leaders and responsible to manage AMs as well, basis on the decision of management.Responsible to meet designated targets for Monthly and Daily Allocation by actively monitoring and manages bucket wise efficiencies...


  • Jaipur, Rajasthan, India Ladders UP HR Solutions LLP - Connecting Right Talent Since 2016 Full time ₹ 31,50,000 - ₹ 75,00,000 per year

    JD-· Credit Strategy:Develop and maintain credit risk strategy and policy by continuous analysis of business expansion and collection trends, risk assessment & mitigation thereof.· Credit Underwriting: Plan Credit Underwriting vision & outlook.Create credit and underwriting policies & processes, infrastructure, development and deployment of underwriting...


  • Jaipur, Rajasthan, India AKINEX GLOBAL SUPPLIES LLP Full time ₹ 9,60,000 - ₹ 14,40,000 per year

    Job Summary:We are seeking a seasoned Accountant with a strong background in international finance operations and treasury management. This strategic role involves overseeing foreign exchange risk, derivatives, cross-border transactions, and banking relationships. The ideal candidate will bring hands-on expertise in global financial instruments and...