We are looking for analytical and driven Credit Managers to join our risk assessment team. This role is specifically focused on the Unsecured Loans - Personal Loan category, requiring a deep understanding of business dynamics, cash flow analysis, and surrogate-based underwriting. You will be responsible for maintaining a high-quality portfolio while ensuring a seamless turnaround time (TAT) for our customers.
Key Responsibilities
Credit Underwriting: Appraise loan applications for self-employed individuals by analyzing business health and financial documents.
Financial Analysis: Evaluate Balance Sheets, P&L; statements, GST returns, and bank statements to determine actual debt-servicing capacity.
Risk Mitigation: Conduct personal discussions (PDs) and physical verifications to validate the "on-ground" business reality versus paper documentation.
Compliance:
Ensure all cases adhere to the companys credit policy and regulatory guidelines (RBI).
Portfolio Management: Monitor the health of the logged-in and disbursed portfolio to minimize delinquency and early mortality.
Candidate Profile
Education: MBA in Finance or equivalent from a reputed institute.
Experience: 2 to 4 years of experience as Credit manager in Unsecured Business loan and Personal loans.
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