Job Title: Senior Credit Officer – NBFC (LAP & Vehicle Loans)

Job Description:

We are looking for an experienced Senior Credit Officer for our NBFC to manage credit appraisal and loan assessment for Loan Against Property (LAP) and Vehicle Loans.

Key Responsibilities:
Evaluate loan applications, borrower profiles, credit bureau reports, and repayment capacity.
Conduct credit appraisal, financial analysis, and risk assessment.
Assess property documents, valuation reports, and legal verification for LAP cases.
Evaluate vehicle loan proposals, income documents, and repayment capacity.
Ensure compliance with the company’s credit policies and lending guidelines.
Coordinate with sales, operations, legal, and field investigation teams.
Recommend loan approvals, rejections, and appropriate credit limits.




Monitor portfolio quality and identify potential credit risks.

Eligibility Criteria:
Graduate in Finance, Commerce, or a related field; postgraduate qualification preferred.
Minimum 3–5 years of relevant experience in an NBFC, bank, or financial institution.
Experience in LAP and vehicle loan credit appraisal is mandatory.
Robust knowledge of credit bureau reports, financial analysis, and loan documentation.
Positive analytical, decision-making, and communication skills.

Job Type: Full time
Department: Credit
Industry: NBFC / Financial Services

Pay: ₹20,000.00 - ₹30,000.00 per month

Work Location: In person

📌 Senior Credit Officer Phagwara
🏢 S N Hire Purchase
📍 Phagwara