- Evaluate loan applications and assess borrower creditworthiness.
- Review income, employment, banking transactions, credit bureau reports and repayment capacity.
- Ensure lending decisions are aligned with the company's credit policy.
- Approve/reject applications within delegated authority.
- Review deviations and exceptions with proper justification.
- Maintain appropriate balance between business growth and credit risk.
- Monitor DPD, delinquency, bounce rate, roll-forward, PAR and NPA.
- Identify early warning signals and take corrective actions.
- Analyse portfolio performance by customer segment, product, location and sourcing channel.
- Identify suspicious applications, duplicate customers, identity/document discrepancies and unusual banking behaviour.




- Coordinate with the Fraud/Risk team for investigation and preventive controls.
- Strengthen checks against multiple lending and over-indebtedness.
- Review automated credit decisioning and rule-based underwriting.
- Monitor the performance of credit policies, scorecards and risk rules.
- Recommend changes based on portfolio data and repayment trends.

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- Ensure underwriting and lending decisions comply with applicable RBI regulations, company credit policy, KYC/AML requirements and digital lending requirements.
- Maintain proper documentation and audit trails.

Pay: From ₹400,000.00 per year

Advantages:
- Flexible schedule

Work Location: Remote

📌 Credit Manager (India)
🏢 PARIKA INVESTMENT
📍 India