Credit Manager

*INTERESTED CANDIDATES CAN SEND THEIR RESUMES AT **hr@easymoneys.in*

Key Responsibilities:

1. Credit Assessment & Underwriting:

- Evaluate loan applications by analyzing financial documents, bank statements, credit reports, and customer information.

- Assess applicant credibility, repayment capacity, and overall risk.

- Approve or reject loan files based on policy guidelines and risk factors.

- Monitor deviations and ensure decisions are well-documented.

2. Policy & Risk Management

- Develop, implement, and update credit policies and risk evaluation frameworks.

- Identify fraud indicators, high-risk patterns, and portfolio vulnerabilities.

- Ensure compliance with RBI/NBFC guidelines and internal SOPs.

- Maintain strong quality checks to minimize delinquency and defaults.

3. Portfolio Management

- Track and review overall portfolio performance, delinquency levels, risk distribution, and product-wise trends.

- Suggest corrective measures to reduce NPAs and improve asset quality.

- Monitor critical customer segments and provide risk-based recommendations.

4. Coordination With Internal Teams

- Work closely with Sales, Operations, Legal, and Recovery teams to streamline end-to-end credit flow.

- Support Sales with pre-screening criteria and eligibility guidance.

- Collaborate with Tech teams to enhance risk tools and underwriting systems.

5. Reporting & Documentation

- Prepare regular MIS reports on approval rates, portfolio risk, fraud cases, and policy deviations.

- Ensure accurate documentation of underwriting decisions and customer data.

- Present analytical insights to senior management for strategic planning.

6. Leadership & Performance Management

- Lead and mentor the credit assessment team (if applicable).

- Conduct training sessions for teams on credit policy, underwriting tools, and fraud prevention.

- Ensure timely file processing and adherence to TAT.

Qualifications & Requirements:

- Bachelor’s degree in Finance, Commerce, Business, or related field (MBA preferred).

- 6 M to 1 year of experience in credit underwriting within NBFC, Banking, or Fintech sector.

- Strong analytical and decision-making skills.

- Proficiency in financial analysis, bank statement evaluation, risk assessment, and credit tools.

- Good understanding of compliance, KYC norms, and RBI/NBFC guidelines.

- Strong Excel and MIS reporting skills.