Job Description: Credit Executive

Job Title

Credit Executive

Key Responsibilities

Credit Assessment & Verification
- Verify customer KYC documents, income proofs, salary slips, bank statements, CIBIL reports, and other supporting documents.
- Assess customers' repayment capacity and creditworthiness using financial and credit data.
- Identify potential credit risks and escalate high-risk cases to the Credit Manager.
- Ensure all documentation is complete, accurate, and compliant before recommending approval.

Loan Processing
- Coordinate with customers and sales teams to collect pending documents.
- Prepare credit assessment notes and submit recommendations for approval.
- Maintain accurate records of all credit decisions and customer communications.

Risk Management
- Follow company credit policies and regulatory guidelines.
- Assist in monitoring the quality of the loan portfolio.
- Support periodic reviews of existing customer accounts where required.

Collections Support
- Coordinate with the collections team on delinquent accounts when necessary.




- Assist in monitoring overdue cases and support recovery efforts.
- Maintain positive customer relationships while ensuring timely repayment.

Reporting & Documentation
- Ensure proper filing and documentation for audit and compliance purposes.
- Generate daily, weekly, and monthly reports as required by management.

Customer & Team Coordination
- Handle customer queries related to loan eligibility and documentation requirements.
- Coordinate with sales, operations, and finance teams to facilitate smooth loan processing.
- Support the Credit Manager in achieving departmental objectives.

Required Qualifications
- Bachelor's degree in Commerce, Finance, Business Administration, or a related field.
- 1-3 years of experience in credit underwriting, loan processing, or financial services.
- Experience in Personal Loans, Salaried Loans, or NBFC/Banking operations is preferred.

Required Skills:
- Knowledge of credit as

📌 Credit Executive (Dwarka)
🏢 NEXTBIGBOX
📍 Dwarka