Credit Manager

Job Summary

We are looking for an experienced and result-oriented Credit Manager to manage credit assessment, loan/credit evaluation, risk analysis, and portfolio quality. The ideal candidate should have strong knowledge of credit processes, financial analysis, and risk management.

Key Responsibilities

Evaluate loan/credit applications and assess the creditworthiness of customers.

Analyze customer financial information, income, banking transactions, credit history, and other relevant documents.

Conduct detailed credit and risk assessments in accordance with company policies.

Verify customer documents and ensure proper completion of credit files.

Make recommendations regarding approval, rejection, or modification of credit proposals.

Monitor existing credit accounts and identify potential risks or irregularities.

Ensure compliance with internal credit policies, processes, and regulatory requirements.

Coordinate with Sales, Operations, Collection, and other departments for smooth processing of cases.

Maintain accurate records and documentation for all credit decisions.

Monitor portfolio performance and take appropriate action on high-risk accounts.

Prepare credit reports, MIS, and regular portfolio/risk updates for management.

Ensure timely resolution of credit-related queries and issues.

Maintain high standards of data accuracy, confidentiality, and professional conduct.

Requirements

Bachelor's degree in Finance, Commerce, Business Administration, or a related field.

2–5 years of relevant experience in Credit, Banking, NBFC, Lending, or Financial Services.

Good understanding of credit appraisal and risk assessment.

Strong analytical and decision-making skills.

Knowledge of financial statements, banking transactions, and credit bureau reports.

Good communication and interpersonal skills.

Proficiency in MS Excel and basic reporting/MIS.

Ability to work under pressure and meet business timelines.

Strong attention to detail and ability to identify potential credit risks.

Preferred Candidates

Candidates with experience in NBFCs, financial institutions, digital lending, business loans, personal loans, LAP, or other retail/SME lending products will be preferred.

Key Skills

Credit Assessment | Credit Appraisal | Risk Analysis | Loan Underwriting | Financial Analysis | Credit Monitoring | Banking | NBFC | MS Excel | MIS | Documentation | Decision Making

What We Offer

Competitive salary

Performance-based incentives, where applicable

Career growth opportunities

Professional and supportive work environment

Learning and development opportunities

Interested candidates can apply through Indeed with their updated CV.

Pay

From ₹300,000.00 per year

Benefits

Flexible schedule

Application Question(s)

Your Current In Hand salary & Expected In hand Salary?

Can you join us Immediately?

Education

Higher Secondary(12th Pass) (Required)

Location

Karol Bagh, Delhi, Delhi (Required)

Work Location

In person