Credit Manager

6 days ago


Raj Bagh DelhiNCR, India Wistful Finance Full time ₹ 5,00,000 - ₹ 15,00,000 per year
  • Credit Risk Assessment:
  • Evaluating potential and existing borrowers' creditworthiness by analyzing financial statements, credit history, and other relevant data to determine their ability to repay loans.
  • Policy Development & Implementation:
  • Creating, updating, and enforcing credit policies and procedures to control risk, set credit limits, and establish fair repayment terms for loans.
  • Loan Approval & Underwriting:
  • Approving or rejecting loan applications based on risk analysis and within established financial limits and company frameworks.
  • Portfolio Management:
  • Monitoring the performance of the loan portfolio, identifying potential issues, and taking action to maintain its quality and health.
  • Accounts Receivable & Debt Collection:
  • Managing accounts receivable, ensuring timely collection of payments, following up on overdue accounts, and negotiating with delinquent borrowers.
  • Compliance:
  • Ensuring all credit operations adhere to legal and regulatory standards and internal guidelines.
  • Collaboration:
  • Working closely with internal departments like sales, finance, and legal, as well as external parties such as collection agencies, to ensure alignment with business goals and effective debt recovery.
  • Market Analysis:
  • Tracking market factors, economic indices, and regulatory changes to understand their impact on the credit portfolio and adjust strategies accordingly.


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