We are looking for a Credit Manager to manage and oversee the credit assessment and underwriting process for short-term personal loans. The role will be responsible for evaluating customer creditworthiness, ensuring quality lending decisions, managing credit risk, and maintaining a healthy loan portfolio while following the company's credit policies and regulatory requirements.

- Key ResponsibilitiesAssess and evaluate loan applications based on customer profile, income, employment, banking, bureau and other relevant information.
- Analyze credit reports, repayment history, FOIR, income stability and other credit parameters.
- Review customer documents and identify discrepancies, fraud indicators or potential credit risks.
- Take appropriate credit decisions within the assigned authority and company credit policy.
- Ensure proper adherence to underwriting guidelines, approval matrix and risk policies.
- Monitor loan portfolio performance, including delinquencies, bounce rates, roll rates and collections trends.
- Identify high-risk customer segments and recommend appropriate risk mitigation measures.
- Work closely with the Operations, Sales, Collections, Fraud and Risk teams to improve portfolio quality.
- Review exceptions and deviations and ensure proper approvals are obtained.
- Prepare and maintain credit MIS and periodic portfolio performance reports.
- Analyze credit data and trends to identify opportunities for improving underwriting quality.
- Recommend changes to credit policies, eligibility criteria, scorecards and approval processes based on portfolio performance.




- Conduct regular reviews of credit decisions and identify areas for process improvement.
- Ensure proper documentation and audit readiness of credit processes.
- Support management in developing strategies to maintain a balance between business growth and credit risk.
- Ensure compliance with applicable company policies and lending regulations.
- Skills RequiredStrong knowledge of credit underwriting and consumer lending.
- Good understanding of personal loans / short-term lending products.
- Ability to analyze credit bureau reports, bank statements, income and customer profiles.
- Robust analytical and decision-making skills.
- Knowledge of credit risk assessment and portfolio monitoring.
- Good command of MS Excel and credit MIS.
- Ability to identify credit risks, inconsistencies and potential fraud indicators.
- Solid communication and coordination skills.
- Attention to detail and ability to work under deadlines.
- Good understanding of lending policies, processes and compliance requirements.
- Qualification & ExperienceBachelor's degree in Finance, Commerce, Economics, Business Administration or a related field.
- 2–5 years of experience in credit underwriting, credit risk, personal loans, consumer lending or NBFC/FinTech lending.
- Experience with digital lending/short-term personal loans will be an added advantage.
- Key Performance Indicators (KPIs)Portfolio quality and delinquency levels
- Credit approval quality
- Approval-to-disbursement quality
- Bounce and early delinquency rates
- Fraud/credit loss control
- TAT for credit decisions
- Policy adherence and audit performance
- Portfolio risk monitoring and reporting

📌 Credit Manager (Gurugram)
🏢 CreditWalle
📍 Gurugram