Credit Saison - Manager - Credit

About Credit Saison:

Credit Saison is a Japanese MNC that has setup a lending business here in India. Through its NBFC here in India, that is primarily focused on unsecured lending to Consumer and SME, Credit Saison is looking to replicate its success in Japan in the Indian Market.

The India team consists of leaders from India's biggest fintech success stories over the past 5 years. Credit Saison (India) aims to create the next wave in the fintech in India. We will build a world class, cutting-edge technology platforms for the global vision and expansion of the company. This will be a high-performance enabled work culture, career focussed and with the aim of changing/aiding the growth of this sector.

Roles and Responsibilities:

1. Performing assessment duties within the defined risk philosophy of the company

2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities

3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans

4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers

5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products

6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies

7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required

8. Promoting the culture of team work within the team

9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/segment profile , loan average ticket size and tenure; if are within the decided norms

10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team

11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process