Relationship Manager – Loan Sales

2 days ago

Delhi, Delhi, India 6bc031b1-1248-4bef-ba5d-4a8cad2840d5 Full time ₹ 2,00,00,000 - ₹ 5,00,00,000 per year

Job Title: Credit Manager – Personal Loans

Experience:
3–5 Years (Mandatory)

Industry Preference:
Candidates currently working or previously employed with top Indian Banks or leading NBFCs, such as:
HDFC, ICICI, Axis, Kotak, IndusInd, IDFC First, Bajaj Finance, Tata Capital, Fullerton, Piramal, Chola, Shriram, Hero Fincorp, etc.

Job Summary

We are looking for an experienced
Credit Manager – Personal Loans
with strong expertise in underwriting, CIBIL analysis, bank policy evaluation, and overall credit risk assessment.

The ideal candidate comes with a solid background in retail lending, deep knowledge of lender policies, and proficiency in evaluating customer creditworthiness.

Mandatory Requirements

  • 3–5 years
    of experience in retail loan underwriting (preferably Personal Loans).
  • Current or past experience with
    top-tier Banks/NBFCs
    .
  • Strong understanding of:

CIBIL & bureau report assessment

Income evaluation (salaried/self-employed)

FOIR calculation & obligation mapping

Bank statement analysis

Company category / employer mapping

Unsecured lending policies & credit norms

Fraud indicators, red flags & risk patterns

  • Hands-on experience using
    CAS/CAM
    and digital underwriting platforms.
  • Strong decision-making with balanced risk judgement.
  • Excellent communication and documentation skills.

Preferred Skills

  • Proven experience underwriting
    ₹20–50 lakh+
    loan portfolios per month.
  • Knowledge of
    multiple bank/NBFC policy structures
    .
  • Ability to guide and train sales teams on documentation and policy criteria.
  • Strong analytical and problem-solving skills with high accuracy.

Compensation

  • Competitive salary structure
  • Performance-based incentives
  • (Final package will depend on candidate experience and current CTC.)

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