: Credit Executive

Job Title

Credit Executive

Job Summary: The Credit Executive is responsible for evaluating loan applications, verifying customer documents, assessing creditworthiness, and supporting the credit approval process. The role focuses on personal loans and salaried-based loan cases while ensuring compliance with company policies, minimizing credit risk, and delivering a smooth customer experience.

The Credit

Executive also coordinates with sales, operations, and collections teams to ensure timely loan processing and portfolio quality.

Key Responsibilities

Credit Assessment & Verification

● Evaluate personal loan and salaried-based loan applications as per company guidelines.

● 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

● Process loan applications within defined turnaround times (TAT).

● 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.

● Flag suspicious or fraudulent applications for further investigation.

● 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

● Maintain MIS reports related to loan applications, approvals, rejections, and pending cases.

● 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.

● Provide prompt updates to customers regarding application status.

● 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 assessment and loan underwriting.

● Understanding of CIBIL reports, KYC, banking, and financial documentation.

● Solid analytical and decision-making skills.

● Attention to detail and accuracy.

● Good communication and customer handling skills.

● Proficiency in Microsoft Excel and MS Office.

● Ability to work under deadlines and manage multiple loan files.

● Team player with good coordination and organizational skills.

Pay: ₹10,024.46 - ₹32,599.73 per month

Work Location: In person

📌 Credit Executive (Dwarka)
🏢 NEXTBIGBOX
📍 Dwarka