Manager Credit

2 days ago

Gurugram Mumbai Mumbai Suburban, India Philaire Sf Full time ₹ 12,00,000 - ₹ 24,00,000 per year

Job Title: Manager Credit & Risk (Partnership Lending)

Location: [Ghatkopar, Mumbai]

Experience: 3+ Years

Budget: 15-20 LPA

Industry: NBFC / Fintech

Job Description:

We are seeking a highly skilled and detail-oriented Manager Credit & Risk with strong experience in Partnership Lending and B2B SME Lending to join our growing team.

The ideal candidate will play a key role in evaluating credit risk, maintaining lender and customer relationships, conducting customer PDs (Personal Discussions), and running programs end-to-end in collaboration with internal and external stakeholders. The role also requires good understanding of the tech side of lending products and the ability to work closely with product and operations teams.

Key Responsibilities:

  • Conduct detailed credit and financial analysis for individual and business loan applications.
  • Evaluate financial statements, bank statements, and credit bureau data to assess risk and eligibility.
  • Maintain strong relationships with lenders, customers, and internal stakeholders.
  • Conduct Personal Discussions (PDs) with customers to assess their business model, cash flows, and repayment capacity.
  • Manage B2B and SME lending programs end-to-end — from partner onboarding to disbursement.
  • Coordinate with vendors, lenders, and customers to ensure smooth program execution.
  • Analyze industry trends, borrower profiles, and market conditions for sound credit decision-making.
  • Prepare and present comprehensive credit appraisal reports and risk assessments to senior management.
  • Monitor existing loan portfolios to identify early warning signals and suggest appropriate corrective actions.
  • Ensure compliance with credit policies, regulatory norms (RBI, NBFC), and internal risk frameworks.
  • Collaborate with product and technology teams to enhance process efficiency and lending automation.

Candidate Requirements:

  • Bachelor's degree in Finance, Accounting, Commerce, or related field (MBA preferred).
  • 5+ years of experience in Credit Analysis, Risk Management, or Partnership Lending, preferably in Banking, NBFC, or Fintech.
  • Strong background in B2B / SME lending, co-lending models, and portfolio risk management.
  • Excellent understanding of credit underwriting, ratio analysis, and financial statement review.
  • Proven ability to build and maintain relationships with lenders, customers, and vendors.
  • Experience managing programs and partnerships end-to-end.
  • Proficiency in MS Excel, financial modeling, and credit evaluation tools.
  • Strong communication, analytical, and problem-solving skills.
  • CA / CA (Inter) / FRM certification preferred but not mandatory.

Compensation:

Up to 18 LPA (Fixed + Variable) – commensurate with experience and skills.

  • Zonal Credit Manager

    4 days ago

    Mumbai, Maharashtra, India Credit Saison Full time ₹ 10,00,000 - ₹ 30,00,000 per year

    About Credit SaisonEstablished in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...

  • Upi credit partnerships lead

    4 weeks ago

    Mumbai, India LIGHT - Credit For UPI Full time

    About LightWe’re building the future of credit on UPI — making every payment smarter, faster, and frictionless. We’re a startup where every day is crazier than the last, and that’s exactly how we like itThis role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you’ll get enormous growth,...

  • UPI Credit Partnerships Lead

    4 weeks ago

    Mumbai, India LIGHT - Credit For UPI Full time

    About Light We’re building the future of credit on UPI — making every payment smarter, faster, and frictionless. We’re a startup where every day is crazier than the last, and that’s exactly how we like it This role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you’ll get enormous growth,...

  • UPI Credit Partnerships Lead

    2 weeks ago

    Mumbai, India LIGHT - Credit For UPI Full time

    About Light We’re building the future of credit on UPI — making every payment smarter, faster, and frictionless. We’re a startup where every day is crazier than the last, and that’s exactly how we like it This role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you’ll get enormous growth,...

  • UPI Credit Partnerships Lead

    2 weeks ago

    Mumbai, India LIGHT - Credit For UPI Full time

    About Light We’re building the future of credit on UPI — making every payment smarter, faster, and frictionless. We’re a startup where every day is crazier than the last, and that’s exactly how we like it This role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you’ll get enormous growth,...

  • UPI Credit Partnerships Lead

    1 week ago

    mumbai, India LIGHT - Credit For UPI Full time

    About LightWe’re building the future of credit on UPI — making every payment smarter, faster, and frictionless. We’re a startup where every day is crazier than the last, and that’s exactly how we like itThis role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you’ll get enormous growth,...

  • UPI Credit Partnerships Lead

    2 weeks ago

    Mumbai, Maharashtra, India LIGHT - Credit For UPI Full time ₹ 1,20,000 - ₹ 1,80,000 per year

    About LightWe're building the future of credit on UPI — making every payment smarter, faster, and frictionless. We're a startup where every day is crazier than the last, and that's exactly how we like itThis role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you'll get enormous growth, ridiculous...

  • Area Credit Manager WC SME With Leading Bank

    7 days ago

    Mumbai Suburban, India Skill Ventory Full time

    Roles and Responsibilities Candidate shall be a part of credit team in the capacity of Area Credit Head for West (which caters to Maharashtra, Central) for Relationship Banking (RBG) Group and TDF andwill be based at Mumbai. RBG Business under Commercial Banking at Kotak Mahindra Bank caters to all the working capital requirements of Commercial Vehicles /...

  • Area Credit Manager WC SME With Leading Bank

    12 hours ago

    Mumbai Suburban, India Skill Ventory Full time

    Roles and Responsibilities Candidate shall be a part of credit team in the capacity of Area Credit Head for West (which caters to Maharashtra, Central) for Relationship Banking (RBG) Group and TDF andwill be based at Mumbai. RBG Business under Commercial Banking at Kotak Mahindra Bank caters to all the working capital requirements of Commercial Vehicles /...

  • Credit Operations Manager

    7 days ago

    Mumbai, Mumbai Suburban, Virar, India Hero Housing Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role & responsibilitiesCoordinate with internal departments such as sales, Legal & TechnicalServe as a point of contact for customers, addressing any queries or issues related to documentation and activations.Basic Understanding of Credit UnderwritingAssist in the preparation and submission of operational reports to senior managementPosition is based out at...