Job Summary

We are looking for an experienced and result-oriented Credit Manager to manage credit assessment, loan/credit evaluation, risk analysis, and portfolio quality. The ideal candidate should have strong knowledge of credit processes, financial analysis, and risk management.

Key Responsibilities

- Evaluate loan/credit applications and assess the creditworthiness of customers.
- Analyze customer financial information, income, banking transactions, credit history, and other relevant documents.
- Conduct detailed credit and risk assessments in accordance with company policies.
- Verify customer documents and ensure proper completion of credit files.
- Make recommendations regarding approval, rejection, or modification of credit proposals.
- Monitor existing credit accounts and identify potential risks or irregularities.
- Ensure compliance with internal credit policies, processes, and regulatory requirements.
- Coordinate with Sales, Operations, Collection, and other departments for smooth processing of cases.
- Maintain accurate records and documentation for all credit decisions.
- Monitor portfolio performance and take appropriate action on high-risk accounts.
- Prepare credit reports, MIS, and regular portfolio/risk updates for management.
- Ensure timely resolution of credit-related queries and issues.
- Maintain high standards of data accuracy, confidentiality, and professional conduct.

Requirements

- Bachelor's degree in Finance, Commerce, Business Administration, or a related field.




- 2–5 years of relevant experience in Credit, Banking, NBFC, Lending, or Financial Services.
- Good understanding of credit appraisal and risk assessment.
- Strong analytical and decision-making skills.
- Knowledge of financial statements, banking transactions, and credit bureau reports.
- Good communication and interpersonal skills.
- Proficiency in MS Excel and basic reporting/MIS.
- Ability to work under pressure and meet business timelines.
- Strong attention to detail and ability to identify potential credit risks.

Preferred Candidates

Candidates with experience in NBFCs, financial institutions, digital lending, business loans, personal loans, LAP, or other retail/SME lending products will be preferred.

Key Skills

Credit Assessment | Credit Appraisal | Risk Analysis | Loan Underwriting | Financial Analysis | Credit Monitoring | Banking | NBFC | MS Excel | MIS | Documentation | Decision Making

What We Offer

- Competitive salary
- Performance-based incentives, where applicable
- Growth opportunities opportunities
- Professional and supportive work environment
- Learning and development opportunities

Interested candidates can apply through Indeed with their updated CV.

Pay: From ₹300,000.00 per year

Benefits:

- Flexible schedule

Application Question(s):

- Your Current In Hand salary & Expected In hand Salary?
- Can you join us Immediately?

Education:

- Higher Secondary(12th Pass) (Required)

Location:

- Karol Bagh, Delhi, Delhi (Required)

Work Location: In person

📌 Credit Manager (Karol Bagh)
🏢 RSNA Servitech
📍 Karol Bagh