Credit Manager
5 hours ago
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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