Department: Credits

Location: Edapally, Ernakulam

Employment Type: Full-time

Experience Required: Minimum 3–5 years as a Credits Manager (Proven track record in handling and processing secured loan products)

Qualification: Bachelor's Degree (Mandatory)

Notice Period: Immediate joiners or candidates with up to 1 month NP preferred

Salary: Upto 9.6LPA

Job Summary: We are seeking a dynamic and detail-oriented Credits Manager to oversee and manage the credit risk assessment process. The ideal candidate will have solid analytical skills, sound judgment, and hands-on experience in evaluating client creditworthiness. You will play a key role in maintaining a healthy credit portfolio while supporting business growth in alignment with risk and compliance standards.

Key Responsibilities:

- Evaluate creditworthiness of prospective and existing clients using financial analysis, credit scoring, and risk assessment models.

- Approve or recommend credit limits and terms in accordance with company policies.





- Monitor portfolio performance and proactively identify potential risk exposures or deteriorating accounts.

- Collaborate with sales, operations, and collections teams to optimize credit processes and client service.

- Maintain up-to-date knowledge of market trends, customer profiles, and sector-specific risks.

- Ensure all credit assessments and decisions are aligned with regulatory requirements.

- Support the development and implementation of credit policies and procedures that align with compliance frameworks.

Requirements

- Proven track record in handling and processing secured loan products.

- Must have prior experience with loan approvals of ₹1 crore and above.

- Should be familiar with loan approval percentages and underwriting ratios.

- In-depth understanding of RBI guidelines, including awareness of recent updates and changes.

- Ability to manage and oversee compliance and risk-related aspects of secured lending.

📌 Credits Manager (Kerala)
🏢 Nameless
📍 Kerala