Job Description - Credit Officer (MBA - Finance Freser)

Location: Ahmedabad
Company: Khushbu Auto Finance Ltd. (KAFL)

About Company

Khushbu Auto Finance Ltd. (KAFL) is a Non-Banking Financial Company (NBFC) incorporated in 1994 and a wholly-owned subsidiary of Atul Auto Limited. Registered with the Reserve Bank of India since 1999, KAFL operates as the captive financing arm of Atul Auto Ltd.

With over 100 branches across 14 states and solid presence in Gujarat and Bihar, KAFL specializes in vehicle finance, particularly in the three-wheeler segment.

Position: Credit Officer

Department: Credit
Reporting To: Branch / Credit Manager

Job Purpose

To evaluate and process loan proposals through detailed financial and document analysis while ensuring compliance with internal credit policies and regulatory guidelines. This is a purely office-based role (No Field Work).

Key Responsibilities
- Verification of customer documents (KYC, income proof, banking records).
- Financial analysis including income assessment and repayment capacity calculation.
- Preparation of credit appraisal notes.




- Maintaining proper documentation and record management.
- Coordination with Sales & Collection teams for case clarification (desk coordination only).
- Ensuring compliance with company credit policies and RBI guidelines.
- Maintaining turnaround time (TAT) for credit processing.

Eligibility Criteria
- MBA (Finance) - Freshers can apply.
- Strong analytical and financial assessment skills.
- Good knowledge of financial ratios and basic credit underwriting concepts.
- Comfortable with office-based documentation and system work.
- Good communication skills.

Required Skills:
- Financial statement analysis
- Risk assessment ability
- MS Excel proficiency
- Attention to detail
- Basic understanding of NBFC credit processes

Salary & Benefits
- Salary: As per company norms
- PF & ESIC included in CTC
- Gratuity (as per statutory norms)
- Group Personal Accident Insurance Policy
- Group

📌 Mba (Finance) Fresher (Narolgam)
🏢 Khushbu Auto Finance
📍 Narolgam