Job Description: Credit Manager (Commercial Vehicle Finance)

Company: IKF FINANCE NBFC
Department: Credit
Location: Hyderabad
Experience Required: 3–5 years
Education: M.Com / CA (Inter or Final) / CMA

About the Role

We are looking for a driven and detail-oriented Credit Manager to join our Credit/Risk team, focusing on Commercial Vehicle (CV) Finance. The ideal candidate will have strong financial analysis skills, a solid understanding of loan repayment structures, and the ability to make sound credit decisions in a quick-paced NBFC workplace.

Key Responsibilities
Evaluate and appraise credit proposals for commercial vehicle loans, ensuring adherence to company credit policy and risk appetite
Conduct in-depth financial analysis of applicants, including income assessment, cash flow evaluation, and repayment capacity
Assess creditworthiness of borrowers through document verification, credit bureau reports, and field investigation reports
Structure loan proposals strategically, balancing business growth targets with portfolio quality and risk control
Monitor loan repayment patterns, identify early warning signals, and recommend corrective actions on delinquent accounts
Coordinate with sales, operations,



and legal teams to ensure smooth loan processing and disbursement
Stay updated on CV industry trends, asset valuations, and market dynamics affecting credit decisions
Prepare credit appraisal notes/memos and present recommendations to senior management/credit committee
Ensure compliance with RBI/NBFC regulatory guidelines and internal audit requirements
Contribute to portfolio quality management, NPA control, and collections strategy as needed

Key Skills Required
Financial Analysis – robust ability to analyze financial statements, cash flows, and repayment capacity
Strategic Thinking – experience structuring credit decisions aligned with business and risk objectives
Loan Repayment Knowledge – sound understanding of repayment schedules, EMI structures, and delinquency management
Strong analytical and decision-making skills
Good understanding of commercial vehicle industry and asset financing
Quick learner, adaptable to a dynamic NBFC work environment
Effective communication and cross-functional coordination skills
Attention to detail and sound judgment under pressure

📌 Credit Hyderabad (India)
🏢 IKF Finance
📍 India