Credit Executive

Company: Rupeexo

Job Location: Ahmedabad, Gujarat

Job Type: Full-time, On-site

Experience Required: 5+ Years

Department: Operations

Job Summary

Rupeexo is looking for an experienced Credit Executive to evaluate loan applications, verify customer documents, assess creditworthiness, and support the loan approval process. The role will primarily handle personal loans and salaried loan cases, ensuring compliance with company policies while maintaining portfolio quality and minimizing credit risk.

The candidate will coordinate with Sales, Operations, Finance, and Collections teams to ensure smooth and timely loan processing.

Key ResponsibilitiesCredit Assessment & Verification

- Evaluate personal loan and salaried loan applications as per company guidelines.
- Verify KYC documents, income proofs, salary slips, bank statements, CIBIL reports, and other supporting documents.
- Assess customer repayment capacity and overall creditworthiness.
- Identify potential credit risks and escalate high-risk cases to the Credit Manager.
- Ensure all documents are complete, accurate, and compliant before recommending approval.

Loan Processing
- Process loan applications within defined Turnaround Time (TAT).
- Coordinate with customers and Sales teams for pending documents and information.
- Prepare credit assessment notes and recommendations for approval.
- Maintain accurate records of credit decisions and customer communications.

Risk Management & Compliance
- Follow company credit policies, internal procedures, and applicable regulatory guidelines.
- Monitor loan portfolio quality and identify potential risks.
- Flag suspicious or potentially fraudulent applications for further investigation.
- Support periodic reviews of existing customer accounts.

Collections Support




- Coordinate with the Collections team regarding overdue and delinquent accounts when required.
- Assist in monitoring overdue cases and recovery efforts.
- Maintain professional customer relationships while ensuring timely repayments.

Reporting & Documentation
- Maintain MIS reports for loan applications, approvals, rejections, and pending cases.
- Ensure proper documentation and filing for audit and compliance requirements.
- Prepare daily, weekly, and monthly reports as required by management.

Customer & Team Coordination
- Handle customer queries related to loan eligibility and documentation.
- Coordinate with Sales, Operations, Finance, and Collections teams for smooth loan processing.
- Provide timely 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.
- 5+ years of experience in credit underwriting, loan processing, or financial services.
- Experience in Personal Loans, Salaried Loans, NBFC, or Banking operations is preferred.
- Strong understanding of credit assessment and loan underwriting processes.

Key Skills
- Credit Assessment & Underwriting
- CIBIL & Credit Report Analysis
- KYC & Document Verification
- Loan Processing
- Risk Assessment
- Banking & Financial Documentation
- MS Excel & MS Office
- Analytical & Decision-Making Skills
- Customer Handling & Communication
- Attention to Detail
- Team Coordination
- Time Management

What Rupeexo Offers
- Competitive salary based on experience and skills
- Skilled and growth-oriented work environment
- Opportunities to develop expertise in lending and credit operations
- Exposure to loan processing, credit assessment, and risk management
- Career growth opportunities

Pay: ₹10,022.57 - ₹20,604.56 per month

Work Location: In person

📌 Credit Executive (Ahmedabad)
🏢 Rupeexo
📍 Ahmedabad