Role & responsibilities

Review and assess loan applications and customer profiles.

Analyse CIBIL/credit bureau reports, bank statements, KYC and income documents.

Evaluate repayment capacity, credit history and overall risk profile.

Verify documents and identify discrepancies or potential fraud indicators.

Conduct credit appraisal and recommend approval, rejection or suitable loan terms.

Ensure loan decisions comply with company credit policy and approval limits.

Coordinate with Sales, Operations and Recovery teams.

Monitor loan portfolio quality and overdue accounts.

Escalate high-risk cases and policy exceptions to senior management.

Maintain accurate credit records and prepare MIS reports.

Ensure proper documentation and compliance with applicable NBFC requirements





Preferred candidate profile

Graduate in Commerce, Finance, Banking, Economics or a related field.

1-6 years of experience in NBFC / lending / credit operations.

Robust knowledge of credit appraisal and loan underwriting.

Good understanding of CIBIL reports, bank statement analysis, KYC and income assessment.

Good analytical and decision-making skills.

Proficiency in MS Excel and loan/credit processing systems.

Experience in digital lending or unsecured loans will be an advantage

Perks and benefits

Provident fund

📌 Credit Manager (Mumbai)
🏢 Ansu Trade u0026 Fiscals
📍 Mumbai