Role Summary:

We are looking for an experienced and analytical Credit Manager to evaluate loan proposals, ensure sound underwriting practices, maintain portfolio quality, and support business growth while adhering to the company's credit policies and regulatory guidelines.

Key Responsibilities:

1. Evaluate loan applications and conduct detailed credit appraisal for retail, MSME and business loans.

2. Analyze financial statements, bank statements, GST returns, bureau reports and other supporting documents.

3. Assess customer repayment capacity, business viability and overall creditworthiness.

4. Ensure compliance with internal credit policies, underwriting guidelines and regulatory requirements

5. Recommend approval, rejection or deviations based on comprehensive risk assessment.

6. Coordinate with Sales, Operations, Legal and Collections teams for seamless loan processing and disbursement.

7. Monitor portfolio quality and identify early warning signals for delinquency.

8. Conduct portfolio reviews and recommend corrective actions to minimize credit losses.

9. Support policy enhancements, process improvements and automation initiatives.

10. Mentor and guide credit analysts and junior underwriters.

11. Maintain defined turnaround times (TAT)



while ensuring high-quality underwriting.

Eligibility :

- Bachelor’s degree in commerce, Finance, Business Administration or related discipline.
- MBA/CA/CFA is an added advantage. 2-6 years of experience in credit underwriting within an NBFC, Bank or FinTech.
- Experience in secured lending, MSME, business loans or retail lending preferred.

Required Skills

- Strong understanding of credit appraisal and financial analysis.
- Ability to interpret financial statements, bank statements and bureau reports.
- Knowledge of RBI regulations, KYC/CKYC requirements and lending compliance.
- Excellent analytical and decision-making skills.
- Robust communication and stakeholder management abilities.
- Proficiency in Microsoft Excel and credit underwriting systems.
- Ability to work in a fast-paced environment while maintaining quality and TAT. Experience in NBFC lending. Experience in Solar Lending. Exposure to digital underwriting or rule-engine based credit evaluation. Experience handling policy deviations and approval matrixes.

Pay: ₹900,000.00 - ₹1,200,000.00 per year

Benefits:

- Provident Fund

Work Location: In person

📌 Commercial & Industrial Solar Finance - Manager (India)
🏢 Blacksoil Capital
📍 India