Role & responsibilities

Evaluate loan applications by analyzing financial, banking, and business documents.

- Conduct Telephonic Personal Discussions (Tele PD) and Field/Physical Personal Discussions (Field PD) to establish customer creditworthiness.
- Perform income assessment, repayment capacity analysis, and risk evaluation.
- Verify customer profile through residence, office, business, and reference checks.
- Analyze bank statements, bureau reports, GST, ITRs, financial statements, and other relevant documents.
- Recommend approval, decline, or deviation requests within delegated authority.
- Ensure compliance with credit policy, regulatory guidelines, and internal processes.
- Coordinate with Sales, Operations, Legal, and Technical teams for smooth loan processing.
- Maintain prescribed Turnaround Time (TAT) without compromising portfolio quality.
- Monitor portfolio performance and identify early warning signals.
- Handle escalations and support audit and compliance requirements.
- Mentor junior credit officers, where applicable.

📌 Credit Manager (Maharashtra)
🏢 SKILLVENTORY
📍 Maharashtra