We are looking for an experienced Credit Manager to manage credit underwriting and approval of short-term salary-based personal loans. The candidate will be responsible for assessing customer creditworthiness through KYC, banking, bureau/CIBIL, employment, income, residence and verification data while maintaining a balance between business growth, portfolio quality and risk

Key ResponsibilitiesCredit Underwriting

- Review and assess loan applications as per the approved credit policy.
- Analyse customer KYC, salary, employment, bank statements and CIBIL/credit bureau reports.
- Assess repayment capacity and overall customer risk.
- Identify fraud indicators, document inconsistencies and suspicious banking patterns.
- Take appropriate credit decisions within delegated authority.
- Ensure proper documentation before approval and disbursement.

Bank Statement & AI/Technology-Based Analysis

- Review Bank Analyzer outputs and banking behaviour.
- Analyse salary credits, existing obligations, bounce transactions, cash deposits and unusual transactions.
- Review AI-based risk alerts and ensure appropriate human intervention wherever required.
- Ensure automated credit recommendations are validated before final approval.

Verification Management

- Review Physical Verification (PV) and Digital Verification (DV) reports.
- Ensure residence and employment verification are satisfactory.
- Review references and other verification reports where applicable.
- Escalate cases having discrepancies or high-risk indicators.

Risk & Fraud Control

- Monitor fraud trends and identify suspicious profiles.
- Detect duplicate applications, multiple customers using common addresses/contact details and document manipulation.
- Ensure exceptions are properly documented and approved.




- Recommend policy improvements based on portfolio performance.

Portfolio Monitoring

- Monitor approval rate, rejection rate, early delinquency, DPD and NPA trends.
- Analyse vintage and customer-level performance.
- Work with Collection/Recovery teams to identify recurring credit-risk patterns.
- Provide feedback to management on portfolio quality.

Compliance

- Ensure underwriting and approval processes follow Company policies and applicable regulatory requirements.
- Maintain proper audit trails and approval records.
- Ensure customer data and documents are handled securely.
- Support internal, statutory and regulatory audits.

Team Management

- Manage and guide Credit Executives/Underwriters.
- Conduct regular quality checks and case reviews.
- Train the team on credit policy, fraud indicators and verification standards.
- Maintain turnaround time (TAT) without compromising underwriting quality.

Key Performance Indicators (KPIs)

- Credit decision TAT
- Approval quality
- First-payment/default performance
- DPD/NPA performance
- Fraud rate
- Portfolio quality
- Policy adherence
- Credit loss rate
- Verification quality
- Audit observations
- Team productivity

Candidate Profile

- Graduate/Postgraduate in Finance, Commerce, Economics, Business Administration or related field.
- 1–4 years of relevant credit underwriting experience.
- Solid knowledge of bank statement analysis and CIBIL/credit reports.
- Experience in digital lending/fintech/short-term loans will be preferred.
- Good analytical and decision-making skills.
- Strong knowledge of MS Excel and CRM systems.
- Experience with automated/AI-based underwriting tools will be an advantage.
- Strong communication and team-management skills.

Pay: ₹15,000.00 - ₹30,000.00 per month

Work Location: In person

📌 Credit Manager (Delhi)
🏢 Glortech Solutions Private
📍 Delhi