About the role :
A Credit Manager acts as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately. By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank & risk appetite while supporting business growth.
Some High Level level things you would own but not limited to :
- File checking for document sufficiency as per the policy.
- Feedback the upfront discrepancies to the sales team.
- Create the file on processing system / tracking systems.
- Handling credit tools such as CAM.
- Doing reference check, Cash flow analysis & Doing collateral verification
- Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
- Calculation of Debt burden and analyzing Credit worthiness of the
- Customers on the basis of previous Track records
- Preparation of Credit Appraisal Memo & forwarding the same case onceit’s cleared to Cluster Manager
- Maintaining TAT for approval
- Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
- Ensure the completion of Risk Screening (FCU) process for all files.
- Post Disbursal Documentation.
- End Use Verification
- Maintain audit and compliance.
- Responsible for collection.
What you would possess already:
- Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.
- Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
- Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
- Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.
- Proficiency in using credit analysis tools, financial software, and data analytics platforms.
- Excellent analytical and problem-solving skills with attention to detail.
- Strong communication and interpersonal skills to collaborate effectively with cross-functional teams, clients, and stakeholders.
- Ability to work in a fast-paced, dynamic environment and handle multiple priorities simultaneously.
- Strong leadership and team management abilities.