Senior Credit Manager

Job Summary

We are seeking an experienced and analytical Senior Credit Manager to lead the credit underwriting function. The ideal candidate will be responsible for evaluating loan applications, assessing creditworthiness, managing credit risk, ensuring compliance with company policies and RBI guidelines, and leading the credit team to achieve high-quality portfolio performance.

• Key ResponsibilitiesReview and approve credit proposals within delegated authority limits.
• Conduct detailed credit appraisal by analyzing financial statements, bank statements, ITRs, GST returns, and other supporting documents.
• Assess the repayment capacity and creditworthiness of individuals and businesses.
• Evaluate CIBIL and other credit bureau reports to identify potential risks.
• Ensure compliance with internal credit policies, regulatory requirements, and RBI guidelines.
• Monitor portfolio quality and recommend corrective actions to minimize NPAs.
• Develop and implement effective credit risk assessment and underwriting processes.
• Coordinate with Sales, Operations, Legal, and Collections teams for seamless loan processing.
• Provide guidance, training, and performance management to the credit team.
• Prepare MIS reports and present portfolio performance, approval trends, and risk analysis to senior management.
• Identify process improvement opportunities to enhance operational efficiency and customer experience.
• Required SkillsStrong knowledge of credit underwriting and risk assessment.
• Expertise in financial statement analysis and cash flow evaluation.
• Thorough understanding of CIBIL reports and credit bureau analysis.
• Sound knowledge of RBI regulations, KYC, AML, and NBFC compliance.
• Excellent analytical, decision-making, and problem-solving skills.
• Strong leadership and team management abilities.
• Proficiency in Microsoft Excel, Loan Management Systems (LMS), and CRM platforms.
• Excellent communication, negotiation, and stakeholder management skills.
• Preferred ExperienceExperience in underwriting Business Loans, Personal Loans, MSME Loans, Loan Against Property (LAP), Overdraft (OD), or Working Capital Loans.
• Experience in managing a credit team within an NBFC, Bank, or FinTech organization.
• Key CompetenciesCredit Risk Management
• Financial Analysis
• Portfolio Monitoring
• Regulatory Compliance
• Leadership & Team Development
• Strategic Decision-Making
• Process Improvement
• Time Management

SalaryBest in the industry (Based on experience and qualifications).