Credit Manager

Description:

Key Responsibilities:

- Manage end-to-end credit appraisal and underwriting for assigned portfolios

- Ensure credit quality, portfolio performance, and risk control in line with internal policies

- Conduct borrower screening, background checks, and personal discussions (PDs)

- Assess creditworthiness using financial analysis, cash-flow evaluation, and risk assessment tools

- Identify potential risks, early warning signals, and fraud trends

- Recommend and support credit policy enhancements and process improvements

- Collaborate with business, operations, and risk teams for effective credit decisioning

- Manage and coordinate with external vendors for verifications and assessments

- Train and guide internal teams and channel partners on credit processes and policies

- Ensure compliance with regulatory guidelines and internal credit standards

Skills & Qualifications:

- Graduate with MBA (Finance) / CA preferred

- Proven experience in Financial Services / Lending / NBFC / Banking

- Strong understanding of credit appraisal, underwriting, and risk management

- Excellent analytical, problem-solving, and decision-making skills

- Strong verbal and written communication skills

- Ability to work collaboratively as a team player

- Result-oriented mindset with attention to detail