Company Description IIFL Samasta Finance Limited (formerly Samasta Microfinance Limited) is a financial institution dedicated to advancing economic empowerment, with a strong focus on serving women from unbanked segments in rural and semi-urban areas. Since 2008, the organization has provided innovative and affordable financial products across 22 states in India, supporting sustainable and inclusive economic growth. Its diverse portfolio includes loans for income-generating activities such as dairy cattle, micro and small enterprises, education, and consumer products.

IIFL Samasta also offers top-up loans, helping customers expand their economic opportunities. By leveraging technology and digitization, the company aims to improve the standard of living in the communities it serves.

Role Description This is a full-time, in office Credit Manager role based in Salem.

The Credit

Manager will oversee credit appraisal, evaluate loan applications, and ensure adherence to the organization’s credit policies and regulatory guidelines.

Responsibilities include analyzing customer financials, assessing creditworthiness, managing credit risk, and recommending appropriate loan structures and limits. The role involves monitoring portfolio performance, identifying early warning signals, and implementing corrective actions to maintain asset quality.

The Credit





Manager will also collaborate closely with branch teams, provide guidance on credit decisions, support process improvements, and prepare periodic reports and documentation for internal and external stakeholders.

Qualifications

- Strong credit management capabilities, including Credit Management and Credit skills to evaluate and structure loan proposals effectively.
- Experience in Credit Risk Management with solid Analytical Skills to assess financial data, identify risk patterns, and maintain portfolio quality.
- Foundational knowledge in Finance to understand lending products, regulatory norms, and financial statements.
- Experience in microfinance, NBFCs, or banking, preferably with exposure to rural or semi-urban markets.
- Bachelor’s degree in Finance, Commerce, Business, Economics, or a related field; relevant certifications in credit or risk management are an advantage.
- Proficiency in MS Excel and basic financial analysis tools; ability to prepare clear reports and documentation.
- Strong communication and interpersonal skills, with the ability to work closely with branch teams and customers.
- High level of integrity, attention to detail, and the ability to make objective, data-driven credit decisions.

📌 Credit Manager (Salem)
🏢 IIFL Samasta Finance
📍 Salem