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 professional 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 setting.

- Fluency in Telugu and English is essential.

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