2 days ago

Credit Manager
Client of salarite

Location:

Jaipur

Industry:

NBFC
KYC
Credit risk assessment
Document verification
Credit underwriting
Cibil analysis
Pl & bl
Financial & banking analysis
Portfolio quality management
Skills
KYC
Credit risk assessment
Document verification
Credit underwriting
Cibil analysis
Pl & bl
Financial & banking analysis
Portfolio quality management

Vacancies

2

Job Type

Full Time

Experience

3 - 8 Years

Salary

500,000 - 900,000 INR

Job Description

Key Responsibilities

  • Evaluate and underwrite unsecured PL & BL proposals as per company credit policies.
  • Analyze applicant income, banking transactions, financial statements, bureau reports, and repayment capacity.
  • Assess business vintage, turnover, profitability, banking conduct, existing obligations, and overall creditworthiness.
  • Conduct detailed credit appraisal and risk assessment of loan applications.
  • Review credit bureau reports and identify repayment behaviour, obligations, and potential risks.
  • Verify KYC, income, banking, business, and other relevant documents.
  • Take appropriate credit decisions within defined DOA (Delegation of Authority) and policy guidelines.
  • Identify red flags, deviations, fraud indicators, and high-risk cases.
  • Coordinate with Sales, Operations, Risk, and other teams for smooth processing of cases.
  • Ensure timely login-to-sanction and sanction-to-disbursement processes.
  • Maintain portfolio quality by ensuring prudent underwriting and adherence to credit norms.

Required Skills

  • Strong knowledge of Unsecured PL & BL underwriting.
  • Excellent credit appraisal and financial analysis skills.
  • Knowledge of CIBIL/credit bureau analysis, banking, income assessment, and FOIR.
  • Understanding of business cash flows and financial statements.
  • Strong risk assessment and decision-making ability.
  • Good knowledge of KYC, AML, and credit policies.
  • Proficiency in MS Excel and credit assessment tools.

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