Position Details

Role / Position Name: Credit Admin

Function: Credit

Department: Central Credit Team

Location: Andheri

Scope of Travel: No Travel Required

Reporting To: Area Credit Manager

Job Overview The Credit Admin is responsible for managing and overseeing the credit function by ensuring sound credit appraisal, risk assessment, and compliance with internal policies and regulatory requirements. The role focuses on maintaining portfolio quality, minimizing credit risk, supporting business growth, and ensuring effective and timely credit decision-making across lending products.

Qualification
Postgraduate Degree in Commerce, Finance, or a related field.

Experience
Fresh postgraduates with solid analytical abilities and an interest in credit management may also be considered.

Skills & Competencies
Strong credit management and credit risk assessment skills
Analytical and decision-making abilities
Experience in finance, underwriting, or credit evaluation
Attention to detail and compliance orientation




Understanding of lending policies and regulatory requirements
Stakeholder management and coordination skills

Key Roles & Responsibilities
Assess customer creditworthiness through detailed financial analysis, income assessment, and risk evaluation.
Make informed loan approval or rejection decisions in line with company policies and risk appetite.
Manage branch-level credit risks and ensure overall portfolio quality is maintained.
Coordinate with Legal, Technical, FI, and RCU teams for comprehensive due diligence and risk validation.
Monitor delinquency trends and recommend corrective actions to minimize future credit risks.
Ensure compliance with internal credit policies, underwriting standards, and regulatory guidelines.
Support business growth by balancing risk control with effective credit turnaround times.
Review and improve credit policies, scoring models, and branch credit processes for enhanced efficiency and control.

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