The Credit Manager is responsible for managing the credit portfolio, ensuring healthy loan quality, minimizing overdue accounts, and achieving collection targets. The role includes monitoring branch performance, supporting field teams, analyzing portfolio risk, and ensuring compliance with company policies.

Key Responsibilities

Monitor branch-wise credit portfolio and loan performance.

Control overdue (OD) and improve collection efficiency.

Review loan applications and approve/recommend loans as per policy.

Analyze PAR (Portfolio at Risk) and prepare MIS reports.

Guide and support Branch Managers and Credit Officers.

Conduct field visits and portfolio audits.

Ensure compliance with credit policies and regulatory requirements.

Identify high-risk accounts and implement recovery strategies.

Train and mentor credit and collection teams.

Coordinate with operations and management to achieve business targets.

Key Performance Indicators (KPIs)

Portfolio at Risk (PAR %)

Overdue (OD)



reduction

Collection Efficiency

Portfolio Quality

Loan Disbursement Quality

Branch Performance

Audit Compliance

Required Qualifications

Bachelor's degree (MBA/Finance preferred).

3–8 years of experience in Microfinance, NBFC, or Banking.

Solid knowledge of credit appraisal and collections.

Proficiency in MS Excel and MIS reporting.

Good analytical, leadership, and communication skills.

Willingness to travel across branches.

Preferred Skills

Team management

Decision-making

Risk assessment

Problem-solving

Negotiation and recovery management

Time management

Pay: ₹35,000.00 - ₹50,000.00 per month

Benefits:

- Cell phone reimbursement
- Commuter assistance
- Flexible schedule
- Food provided
- Paid sick time
- Provident Fund

Work Location: In person

📌 Division Credit Manager (India)
🏢 Arise Investment and Capital
📍 India