LendingKart - Deputy Manager - Credit Operations

Deputy Manager - Credit Operations

Job Location : Ahmedabad

Exp : 6 to 7 years

Some high level things you would own but not limited to:

- You will evaluate creditworthiness of loan applicants through analysis of financial statements, credit scores, payment history, and other relevant factors.

- You will make informed decisions on loan applications based on the company's credit policies and risk tolerance.

- You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigation strategies - Credit Assessment and Decision Making

- You will oversee the end-to-end credit operations process, including loan application processing, documentation, and disbursement.

- You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensure smooth and efficient credit operations.

- You will develop and implement credit policies, procedures, and guidelines to enhance efficiency and maintain compliance Credit Operations Management.

- You will monitor and manage the credit portfolio to identify early warning signs, trends, and potential areas of concern.

- You will perform periodic portfolio analysis to assess the performance of loans, identify patterns, and make recommendations for portfolio optimization.

- You will utilize data and analytics to generate insights and develop strategies for minimizing credit risk and improving portfolio quality - Portfolio Monitoring and Analysis.

- You will stay updated on relevant regulations, guidelines, and industry best practices related to credit and lending.

- You will ensure compliance with regulatory requirements and internal policies in all credit-related activities.

- You will collaborate with the Compliance and Legal teams to address any compliance issues and implement necessary controls - Compliance and Regulatory Adherence.

- You will provide guidance, training, and mentoring to credit team members to enhance their skills and performance.

- You will foster a collaborative and supportive work environment, promoting effective teamwork and knowledge sharing.

- You will conduct performance evaluations, set performance goals, and provide regular feedback to team members - Team Management and Development.

What you would possess already:

- Bachelor's degree in finance, accounting, economics, or a related field.

- A master's degree or relevant professional certifications (such as CFA, FRM) would be a plus.

- Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.

- Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.

- Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.

- Proficiency in using credit analysis tools, financial software, and data analytics platforms.

- Excellent analytical and problem-solving skills with attention to detail.

- Strong communication and interpersonal skills to collaborate effectively with cross-functional teams, clients, and stakeholders.

- Ability to work in a fast-paced, dynamic environment and handle multiple priorities simultaneously.

- Strong leadership and team management abilities.