Role Description The Credit Manager at FLEXIFUNDS will oversee the evaluation and approval of short-term personal loan applications, ensuring sound credit decisions and adherence to internal policies and regulatory guidelines. This full time, on-site role based in Faridabad involves assessing creditworthiness using financial data, income verification, and risk parameters, as well as monitoring portfolio performance and delinquency trends. The Credit Manager will establish and refine credit policies, collaborate with operations and customer support teams to resolve credit-related issues, and recommend process improvements to enhance turnaround time and loan quality. The role also includes preparing credit risk reports, mentoring junior credit analysts, and contributing to strategies that balance growth with portfolio stability. Qualifications
• Candidates should possess strong Credit Management and Credit Risk Management skills to evaluate loan applications and maintain a healthy portfolio.
• Candidates should possess solid Analytical Skills to interpret financial data, identify risk patterns, and support data-driven decision-making.
• Candidates should possess a sound foundation in Finance and Credit concepts to apply appropriate underwriting standards and risk frameworks.
• Candidates should possess effective communication and stakeholder management skills to collaborate with internal teams and clearly explain credit decisions.
• Relevant experience in retail lending, consumer finance, or digital lending environments is beneficial.
• A bachelor’s degree in finance, accounting, business, economics, or a related field is preferred; skilled certifications in credit or risk management are an advantage.
• Proficiency with lending systems, spreadsheets, and basic data analysis tools, along with a strong attention to detail and ethical judgment, is desirable.