Job Summary:

The Credit Manager will be responsible for overseeing and managing all credit-related activities within the Nandyal branch, ensuring sound lending practices, risk mitigation, and adherence to company policies and regulatory guidelines.

Job Responsibilities:

Manage the end-to-end credit assessment process for various loan products, including individual and business loans.

Analyze financial statements, credit reports, and other relevant data to evaluate creditworthiness of applicants.

Conduct thorough due diligence and risk assessments to identify potential credit risks and propose mitigation strategies.

Approve, reject, or recommend credit proposals based on established credit policies and delegated authority.

Monitor existing loan portfolios for early warning signs of default and initiate appropriate recovery actions.

Develop and implement strategies to minimize credit losses and maintain a healthy portfolio quality.

Ensure compliance with all internal credit policies, regulatory requirements, and lending guidelines.

Liaise with sales, operations, and legal teams to facilitate smooth credit processing and resolution of issues.





Prepare and present credit reports and analyses to senior management.

Train and mentor junior credit officers and support staff.

Job Qualifications:**

Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant qualified certification (e.g., CA, CFA) is a plus.

Minimum of 5-7 years of progressive experience in credit management within the financial services industry, preferably with experience in a Non-Banking Financial Company (NBFC).

Strong understanding of credit analysis techniques, financial modeling, and risk assessment methodologies.

In-depth knowledge of Indian financial regulations and lending practices.

Proven track record of managing a significant credit portfolio with low delinquency rates.

Excellent analytical, problem-solving, and decision-making skills.

Strong communication, negotiation, and interpersonal skills.

Proficiency in Microsoft Office Suite, especially Excel, and experience with credit management software.

Ability to work independently and as part of a team in a fast-paced environment.

Fluency in Telugu and English is essential.

📌 Credit Manager - Nandyal (Nandyala)
🏢 Credit Saison India
📍 Nandyala