Job Title: Credit Manager – Payday / Short-Term Personal Loans
Company: TRUVEST FINSERV PRIVATE LIMITED
Location: [Gurugram / Delhi NCR]
Experience: 3–6 years in credit underwriting (digital lending / NBFC / fintech preferred)
Employment Type: Full-time
About Us
TRUVEST FINSERV PRIVATE LIMITED is a fast-growing digital lending business offering small-ticket, short-tenure personal loans (payday loans) to salaried individuals, in partnership with an RBI-registered NBFC. We are building our credit team from the ground up and are looking for a hands-on Credit Manager to own underwriting and portfolio quality.
Key Responsibilities
- Underwrite and approve or reject payday loan applications within defined turnaround times, keeping quality high at volume.
- Design and refine the credit policy, including eligibility criteria, loan limits, income and employment checks, and risk scoring rules.
- Analyse CIBIL/Experian/CRIF reports, bank statements, salary slips, and alternate data to assess repayment capacity and fraud risk.
- Set up and monitor approval rules and scorecards in the Loan Management System (LMS) and coordinate with the tech team on automation.
- Track portfolio health, including approval rates, first-payment defaults, DPD buckets, NPAs, and roll rates, and recommend policy changes.
- Work closely with the collections team to feed delinquency insights back into underwriting.
- Identify and prevent fraud (fake documents,
identity misuse, loan stacking) and maintain a negative list.
- Ensure compliance with RBI Digital Lending Guidelines, Fair Practices Code, KYC/AML norms, and the partner NBFC’s credit policy.
- Prepare MIS and credit reports for management and the partner NBFC.
- Hire, train, and lead a team of credit analysts as the business scales.
Requirements
- Graduate in Commerce, Finance, or a related field.
- 3–6 years of experience in retail or unsecured credit underwriting, ideally in payday, personal, or small-ticket loans.
- Robust understanding of credit bureau reports, bank statement analysis, and risk assessment.
- Working knowledge of RBI regulations for NBFCs and digital lending.
- Comfortable with Excel/Google Sheets; experience with an LMS or rule engine is a plus.
- Analytical, detail-oriented, and able to make quick, sound decisions.
- Startup mindset: willing to build processes from scratch.
- Paydays loan experience.
What We Offer
- Competitive salary: [₹X – ₹Y LPA] plus performance incentives
- The chance to build and lead the credit function of a growing lending business
- Direct exposure to founders and decision-making
How to Apply
Send your CV to
[email protected] with the subject line “Credit Manager – [Your Name]”, or apply through this post.
Pay: ₹316,000.00 - ₹600,000.00 per year
Work Location: In person
📌 Credit Manager (Delhi)
🏢 TRUVEST FINSERV PRIVATE
📍 Delhi