Company Description Electronica Finance Limited (EFL) is a leading Non-Banking Finance Company (NBFC) with 150+ branches across India, established in 1990 as one of the first NBFCs to provide loans for machinery purchase. Over time, EFL has expanded its offerings to include business loans, working capital loans, commercial and residential rooftop solar loans, and loan against property, alongside its flagship machinery loan products. The organization emphasizes strong ethics, mutual respect, determination, and a work culture aligned with global finance industry standards, resulting in a robust and dignified portfolio.

A significant portion of new disbursements comes from existing clients, highlighting high customer trust and satisfaction. EFL’s tailored finance solutions have supported more than 75,000 customers over the last 35 years.

Role Description The Credit Manager is responsible for overseeing the end-to-end credit assessment and approval process for various loan products, ensuring sound credit decisions and portfolio quality. This full time on-site role, based in Vasai Virar, involves evaluating financial statements, conducting risk analysis, reviewing credit proposals, and ensuring compliance with internal policies and regulatory requirements. The role includes monitoring existing accounts, identifying early warning signals, recommending risk mitigation measures, and supporting collections strategies when needed.

The Credit

Manager will collaborate closely with sales, operations, and senior management to structure proposals,



optimize customer experience, and maintain a balanced risk-return profile. The role also entails preparing credit reports, maintaining accurate records, and contributing to continuous improvement of credit processes and underwriting standards.

Qualifications

- Strong credit analysis and underwriting skills, including assessment of financial statements, cash flows, and collateral.
- Experience in risk management, portfolio monitoring, and early warning signal identification within NBFC or banking environments.
- Knowledge of lending products such as machinery loans, business loans, working capital loans, rooftop solar loans, and loan against property.
- Familiarity with regulatory guidelines, internal credit policies, and compliance requirements in the Indian financial services sector.
- Proficiency in using financial analysis tools, spreadsheets, and loan management systems.
- Excellent communication, negotiation, and stakeholder management skills to work effectively with internal teams and customers.
- Strong analytical thinking, attention to detail, and sound judgment in decision-making.
- Bachelor’s or Master’s degree in Finance, Commerce, Business Administration, or a related field; professional certifications in credit or risk management are an advantage.
- Prior experience in a credit management or credit appraisal role, preferably in an NBFC or bank.
- Ability to work on-site in Vasai Virar, manage deadlines, and adapt to dynamic business requirements

📌 Credit Manager (Vasai-Virar)
🏢 Electronica Finance
📍 Vasai-Virar