Velocity - Credit Manager

About Velocity:

Velocity is a leading fintech platform enabling D2C and digital-first businesses to scale through funding, payments, logistics, and AI-powered growth solutions.

We are looking for a highly driven Credit Manager to lead and strengthen our credit underwriting process across SME and eCommerce lending portfolios.

Role Overview:

As a Credit Manager, you will be responsible for evaluating the creditworthiness of potential customers, creating credit assessment frameworks, approving and rejecting loan applications, finalizing commercials, and continuously improving the companys credit policies.

The ideal candidate should possess strong analytical skills, business understanding, and the ability to make data-driven underwriting decisions in a fast-paced fintech environment.

Key Responsibilities:

- Evaluate the creditworthiness of potential customers using multiple online and offline data sources

- Conduct detailed analysis of financial statements, banking data, GST filings, bureau reports, and business performance metrics

- Create and improve credit scoring models and risk assessment frameworks

- Conduct discussions with customers to resolve queries and gather business insights

- Approve or reject loan applications based on creditworthiness and business outlook

- Calculate and finalize financing commercials and deal structures

- Maintain records of loan applications and underwriting decisions

- Monitor loan repayments, portfolio performance, and delinquency trends

- Define early warning signals and portfolio tracking mechanisms

- Review and update the companys credit policies and underwriting guidelines

- Collaborate with policy, risk, and business teams to strengthen underwriting processes

- Drive process improvements and support scaling of underwriting operations

Requirements:

- 3 - 8 years of experience in SME / Business Lending Credit

- Strong understanding of SME underwriting and credit evaluation

- Experience in assessing businesses using Financials, Banking Statements, GST data, bureau reports, and operational metrics

- Prior experience in fintech, NBFC, banking, or digital lending startups preferred

- Understanding of new-age / eCommerce / D2C businesses is a strong advantage

- Experience in setting up and scaling underwriting processes

- Strong analytical and problem-solving skills

- Advanced proficiency in MS Excel and data analysis

- Excellent attention to detail and risk assessment capabilities

- Strong communication and stakeholder management skills

Preferred Background:

- Candidates from fast-growing fintech, lending, or NBFC ecosystems preferred

- Prior experience handling unsecured business loans / cash-flow based lending is an added advantage

- Experience working in high-growth startup environments preferred

Why Join Velocity:

- Opportunity to work in a high-growth fintech ecosystem

- Exposure to scaling innovative lending products

- Fast-paced, ownership-driven culture

- High impact role with strong learning and career growth opportunities