Credit Manager

3 days ago

Noida, Uttar Pradesh, India Akasa Clean Energy Pvt Ltd Full time

Key Responsibilities: Credit Assessment & Underwriting

  • Evaluate loan applications by analyzing financial documents, bank statements, credit bureau reports, and other digital data points.
  • Make informed credit decisions based on risk scoring, credit parameters, income stability, and repayment capacity.
  • Implement and monitor credit policies, scorecards, and eligibility criteria.

Risk Management & Fraud Control

  • Identify high-risk profiles and potential fraud indicators using digital tools, customer patterns, and data analytics.
  • Ensure compliance with internal credit policies, regulatory guidelines, and company risk frameworks.
  • Collaborate with risk and fraud teams to refine rules, thresholds, and risk models.

Portfolio Monitoring & Performance

  • Monitor portfolio quality, delinquency trends, NPA levels, and collection performance.
  • Conduct periodic credit reviews and recommend corrective actions to improve credit health.
  • Analyze data to identify gaps in credit processes and optimize decision-making.

Team Leadership & Coordination

  • Lead and train credit analysts/executives to maintain high accuracy and efficiency in underwriting.
  • Coordinate with sales teams for clarifications, documentation, and customer onboarding support.
  • Work closely with product and tech teams to enhance credit workflow and digital underwriting systems.

Policy & Process Development

  • Develop and refine credit policies, approval matrices, documentation requirements, and risk strategies.
  • Support the implementation of automated underwriting tools and decision engines.

Reporting & Documentation

  • Prepare regular MIS reports on approvals, rejections, portfolio movement, and risk metrics.
  • Maintain accurate documentation and ensure audit readiness at all times.

Required Skills & Qualifications:

  • Graduate/Postgraduate in Finance, Commerce, Economics, or related field.
  • 2–7 years of experience in credit underwriting/credit management in digital lending, fintech, NBFC, or BFSI.
  • Strong analytical and decision-making skills.
  • Hands-on experience with CIBIL/credit bureau analysis, bank statement analyzers, and digital underwriting tools.
  • Knowledge of regulatory norms, KYC, PPI, and loan documentation.
  • Proficiency in Excel and MIS reporting.
  • Excellent communication and leadership skills.

Job Type: Full-time

Pay: ₹20, ₹30,000.00 per month

Benefits:

  • Provident Fund

Work Location: In person

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