Senior Credit Officer

1 day ago


Ahmedabad, Gujarat, India Khushbu Auto Finance Limited Full time ₹ 12,00,000 - ₹ 18,00,000 per year

Job Title: Senior Credit Officer

Location: Ahmedabad

Salary: ₹25,000 – ₹30,000 CTC (depending on experience)

Company Overview:

Khushbu Auto Finance Ltd. (KAFL) is a Non-Banking Financial Company (NBFC) specializing in vehicle finance, particularly for two- and three-wheelers. Incorporated in 1994, KAFL is a wholly-owned subsidiary of Atul Auto Limited (AAL) — a leading three-wheeler manufacturer. With its corporate office in Rajkot, Gujarat, KAFL has been registered with the Reserve Bank of India (RBI) since 1999 and operates as the captive financing arm for Atul Auto Ltd. The company has a strong network of over 100 branches across 14 states, with a strong presence in Gujarat and Bihar.

Job Description:

We are looking for an experienced and detail-oriented Senior Credit Officer to join our team in Ahmedabad. The ideal candidate will play a key role in evaluating credit proposals, assessing financial risk, and ensuring high-quality credit decisions aligned with company policies.

Key Responsibilities:

  • Assess and analyze creditworthiness of loan applicants for two- and three-wheeler financing.
  • Evaluate customer financials, CIBIL reports, and field investigation reports.
  • Approve/recommend loans as per defined credit policy and risk appetite.
  • Maintain TAT and accuracy in credit appraisal and decision-making.
  • Guide and support junior credit officers and coordinate with sales & operations teams.
  • Identify potential risks and suggest improvements to credit processes.
  • Ensure compliance with company and RBI norms.

Qualifications & Skills:

  • Graduate / MBA in Finance or related field.
  • Minimum 2–4 years of experience in credit or loan processing (preferably in NBFC/vehicle finance).
  • Strong analytical and decision-making skills.
  • Good communication and documentation ability.
  • Proficiency in MS Excel and credit evaluation tools.

Job Types: Full-time, Permanent

Pay: ₹25, ₹30,000.00 per month

Benefits:

  • Health insurance
  • Provident Fund

Work Location: In person


  • Credit Officer

    1 week ago


    Ahmedabad, Gujarat, India MAS Financial Services Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    We're Hiring: Credit Officer Commercial Vehicle LoansLocation: Ahmedabad H.OCompany: MAS Financial Services Ltd.Email to Apply: / MAS Financial Services Ltd. is looking for an experienced Credit Officer to join our growing team in the Commercial Vehicle Loans division.Key Responsibilities:Assess credit proposals for commercial vehicle loan...

  • Sr. Credit Officer

    24 hours ago


    Ahmedabad, Gujarat, India Khushbu Auto Finance Limited Full time ₹ 2,50,000 - ₹ 3,00,000 per year

    ob Title: Senior Credit OfficerCompany: Khushbu Auto Finance Ltd.Location: AhemdabadEmployment Type: Full-timeAbout Khushbu Auto Finance Ltd.:Khushbu Auto Finance Ltd. is a leading financial services company specializing in vehicle financing solutions. We are committed to providing quick, transparent, and customer-centric lending services across India.Key...

  • Credit Officer

    5 days ago


    Ahmedabad, Gujarat, India MAS Financial Services Full time ₹ 4,00,000 - ₹ 12,00,000 per year

    MAS Financial Ltd is HiringPosition: Credit Officer Commercial Vehicle ProductRequirements:Experience in credit assessment for commercial vehicle loansStrong knowledge of viability calculations and FOIR (Fixed Obligatory Income Ratio)Must be local to Gujarat or willing to relocateIf you meet these criteria, please share your CV at or WhatsApp on Feel free...


  • Ahmedabad, Gujarat, India adani capital pvt ltd Full time ₹ 6,00,000 - ₹ 12,00,000 per year

    Sr. Officer - Credit Control ResponsibilitiesUsing computer software SAP/ERP and databases to locate customers details and ageing summary Discussing debts with customers and creating a payment plan that allows them to pay what they owe Negotiating settlements to accept a percentage of the debt Updating credit files when debts are paid and...


  • Ahmedabad, Gujarat, India Adani Enterprises Ltd Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Sr. Officer - Credit ControlUsing computer software SAP/ERP and databases to locate customers details and ageing summary Discussing debts with customers and creating a payment plan that allows them to pay what they owe Negotiating settlements to accept a percentage of the debt Updating credit files when debts are paid and generating MIS for...


  • Ahmedabad, Gujarat, India MAS Financial Services Full time ₹ 4,00,000 - ₹ 12,00,000 per year

    Evaluate financial statements, bank records, ITRs, and GST data to assess borrower eligibility for UBL Analyze business models, repayment capacity, and potential risks to ensure sound credit decisions Prepare detailed credit appraisal notes and present recommendations to senior credit managers Suggest appropriate loan amount, tenure, and repayment structures...


  • Ahmedabad, Gujarat, India Veera steel Full time ₹ 2,00,000 - ₹ 4,00,000 per year

    Document Verification: Ensure all loan application documents are accurate and complete. Generate PDF files of verified documents for recordkeeping.Data Entry & Compliance: Input verified data into the loan application system. Perform CIBIL checks and credit appraisals for applicants and co-applicants.Tele-Verifications: Conduct telephonic verifications for...


  • Ahmedabad, Gujarat, India MAS Financial Services Full time ₹ 4,00,000 - ₹ 6,00,000 per year

    Operation Officer / Credit OfficerAhmedabadRole & responsibilitiesCibil CheckIncome Documents CheckKYC checkPreferred candidate profileMBA -Finance -FresherInterested candidate share your profile on : / Vishesha KapadiaMas FinanceHR Team


  • Ahmedabad, Gujarat, India RATNAAFIN Full time

    Key Responsibilities: • Manage day-to-day coordination with partner teams for smooth credit operations. • Monitor portfolio performance and support in maintaining portfolio quality. • Assist in collection follow-ups on overdue cases in coordination with partner teams. • Prepare and maintain basic MIS/data for review. • Visit partner offices...


  • Ahmedabad, Gujarat, India Ratnaafin Capital Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    1. Partner Relationship ManagementAct as the primary point of contact for assigned partners, ensuring smooth day-to-day operations.Conduct mandatory monthly visits to partner offices to review performance and address concerns.Drive cross-sell opportunities and deepen engagement within the partner ecosystem.2. Credit & Portfolio OversightMonitor assigned...