Company Description SVCL is a financial services organization dedicated to enabling and empowering rural women in India through access to collateral-free microcredit for income-generating activities. Since 2010, SVCL has focused on promoting financial independence and social impact by using a joint liability group model that supports community-based lending. The company is continually expanding its reach to underserved rural populations and fostering local entrepreneurship. SVCL currently operates across India with 249 branches in 10 states, including Uttar Pradesh, Uttarakhand, Bihar, Madhya Pradesh, Chhattisgarh, Jharkhand, Punjab, Haryana, Rajasthan, and Gujarat. Team members contribute directly to inclusive growth and sustainable development in the communities they serve.
Role Description This is a full time, HO based Credit Manager role based in the Gurugram Area. The Credit Manager will oversee the assessment, approval, and monitoring of credit proposals, ensuring alignment with SVCL’s credit policies and risk appetite.



Daily responsibilities include reviewing financial and non-financial information of borrowers, analyzing creditworthiness, and recommending appropriate credit limits and terms. The role involves managing credit risk for a defined portfolio, tracking repayment performance, and implementing corrective actions where necessary. The Credit Manager will collaborate with branch teams to improve credit processes, provide guidance on documentation and compliance, and support training initiatives to strengthen credit discipline across the network.
Qualifications
Strong credit management skills, including experience in Credit Management and Credit evaluation.
Proficiency in Credit Risk Management, with the ability to identify, measure, and mitigate portfolio risks.
Robust Analytical Skills to interpret financial statements, borrower data, and portfolio trends.
Solid understanding of Finance principles and credit products relevant to microfinance and rural

📌 Credit Manager (India)
🏢 SVCL
📍 India