Credit Manager

Job Description – Credit Manager (NBFC)

*Job Title:* Credit Manager

*Department:* Credit / Risk Management

*Industry:* NBFC (Non-Banking Financial Company)

*Experience:* 1–3Years (as per company requirements)

*Location:* [Kharghar]

*Reporting To:* Credit Head / Regional Credit Manager

## 1. Job Summary

We are looking for an experienced and result-oriented Credit Manager to manage credit assessment, loan underwriting, risk analysis, and credit approval processes. The candidate will be responsible for evaluating loan applications, assessing borrower creditworthiness, ensuring compliance with company policies and regulatory guidelines, and maintaining a healthy loan portfolio.

## 2. Key Responsibilities

* Review and evaluate loan applications received from customers.

* Assess customer creditworthiness based on income, financial statements, bank statements, credit bureau reports, and repayment capacity.

* Conduct credit risk analysis and recommend appropriate loan limits.

* Verify KYC documents, income documents, banking details, and other supporting documents.

* Analyze CIBIL/credit bureau reports and identify potential credit risks.

* Approve or recommend loan proposals as per the delegated authority matrix.

* Ensure compliance with internal credit policies, risk guidelines, and applicable RBI regulations.

* Coordinate with Sales, Operations, Collections, and Legal teams for smooth loan processing.

* Conduct PD (Personal Discussion), FI (Field Investigation), and other verification activities as applicable.

* Monitor portfolio quality, delinquency, NPA, and overdue accounts.

* Identify high-risk cases and recommend corrective actions.

* Ensure timely processing of loan applications while maintaining credit quality.

* Prepare credit appraisal notes, risk assessment reports, and MIS.

* Support internal audits and regulatory inspections.

* Guide and supervise credit executives and credit analysts, wherever applicable.

## 3. Required Skills

* Strong credit appraisal and financial analysis skills.

* Knowledge of lending products and NBFC operations.

* Understanding of CIBIL reports, banking analysis, and borrower risk assessment.

* Good decision-making and analytical abilities.

* Knowledge of KYC, AML, and applicable regulatory requirements.

* Proficiency in MS Excel and credit-related systems.

* Excellent communication and coordination skills.

* Ability to meet TAT (Turnaround Time) and business targets without compromising credit quality.

## 4. Educational Qualification

* Graduate in Commerce, Finance, Business Administration, or a related field.

* MBA in Finance or relevant postgraduate qualification preferred.

## 5. Experience

* 3–7 years of experience in credit underwriting, credit appraisal, or risk management in an NBFC, bank, or financial institution.

* Experience in the relevant lending segment, such as Personal Loans, Business Loans, LAP, Vehicle Loans, or MSME Loans, will be preferred.

## 6. Key Performance Indicators (KPIs)

* Credit appraisal quality and accuracy.

* Loan processing TAT.

* Portfolio delinquency and NPA levels.

* Credit policy compliance.

* Loan default and risk management.

* Productivity and quality of credit decisions.

Contact Person - HR Pallavi