Credit Manager - BFS

Key Responsibilities:

- Credit Risk Assessment: Analyze Bank statements, Bureau reports, and other related documents to assess credit risk and the financial health of clients

- Credit Evaluation: Provide recommendations based on credit scoring models and financial performance, ensuring decisions align with company policies and risk management guidelines.

- Understanding of Financial Statements: Calculate and understand financial ratios and evaluate financial position of the borrower

- Customer Interaction: Communicate with clients, to gather information and resolve queries related to credit assessments.

- Compliance and Regulation: Ensure adherence to relevant credit policies, legal regulations, and best practices in credit analysis.

- Trend Analysis: Stay updated on industry trends, market conditions, and macroeconomic factors affecting credit risk.

- TAT management: Credit Analyst is held accountable for completing tasks promptly while maintaining the quality of work.

Key Requirements:

Education: MBA(Finance) / CA / Inter CA

Experience: 8+ years of experience in the credit vertical of any of the Financial Institution / NBFC, Digital lending background would be an added advantage.

- They must have approval authority for Unsecured Business loan

Skills:

- Strong understanding of financial statements and credit reports.

- Proficiency in financials, risk analysis, and credit scoring systems.

- Familiarity with credit-related regulations, policies, and industry Standards.

- Excellent written and verbal communication skills.

- Strong analytical, problem-solving, and decision-making abilities.

- Ability to manage multiple tasks