Credit Manager
22 hours ago
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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