Credit Manager

22 hours ago


Ahmedabad, Gujarat, India Clix Capital Services Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Role & responsibilities

  • Assess creditworthiness of schools applying for loans by analyzing financial statements, operational performance, and repayment capacity.
  • Conduct due diligence, including background checks and site visits, to validate information provided by applicants.
  • Prepare detailed credit appraisal reports and recommend approval/rejection within defined authority limits.
  • Monitor existing school loan portfolio for early warning signals and ensure timely intervention to mitigate risks.
  • Collaborate with sales and collection teams to ensure smooth loan disbursement and recovery processes.
  • Ensure compliance with internal credit policies, RBI guidelines, and other regulatory requirements.
  • Maintain MIS reports and provide regular updates to senior management on portfolio performance.

Preferred candidate profile

  • Strong analytical and financial assessment skills.
  • Knowledge of credit risk management principles and regulatory norms.
  • Excellent communication and negotiation skills.
  • Proficiency in MS Excel and credit scoring tools.

  • Graduate/Postgraduate in Finance, Commerce, or related field.

  • 36 years of experience in credit underwriting, preferably in education loans or SME lending.
  • Familiarity with school operations and financial structures will be an added advantage.

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