Assistant Manager - Credit
Incred Finance · Bengaluru · onsite · Posted 71d ago
Undisclosed2–4 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
Role Overview
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
We are looking for analytical and driven Credit Managers to join our risk assessment team. This role is specifically focused on the Unsecured Loans - Personal Loan category, requiring a deep understanding of business dynamics, cash flow analysis, and surrogate-based underwriting. You will be responsible for maintaining a high-quality portfolio while ensuring a seamless turnaround time (TAT) for our customers.
Key Responsibilities Credit Underwriting: Appraise loan applications for self-employed individuals by analyzing business health and financial documents.
Financial Analysis: Evaluate Balance Sheets, P&L statements, GST returns, and bank statements to determine actual debt-servicing capacity.
Risk Mitigation: Conduct personal discussions (PDs) and physical verifications to validate the "on-ground" business reality versus paper documentation.
Compliance: Ensure all cases adhere to the companys credit policy and regulatory guidelines (RBI).
Portfolio Management: Monitor the health of the logged-in and disbursed portfolio to minimize delinquency and early mortality.
Candidate Profile Education: MBA in Finance or equivalent from a reputed institute.
Experience: 2 to 4 years of experience as Credit manager in Unsecured Business loan and Personal loans.
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
Sourced from naukri
Skills
pdsDebtrisk mitigationcredit policyLoansPersonal LoanRisk AssessmentPortfolio ManagementCASH FLOWCredit UnderwritingunderwritingGstfinancial analysiscompliancefinanceBusiness Loan
About InCred Finance
Incred Finance
NBFC
2k+
employees
2016
10 years old
Mumbai, Maharashtra
US
₹7.9L PA avg
Avg at InCred Finance
About
InCred Finance is a leading financial services company offering a diverse range of solutions, including Personal Loan, Education Loan, and MSME Loan.
Industries
NBFCFinancial Services
Employee ratings
10 reviews
3.8/ 5
Culture
4.0
Career growth
3.2
Work-life
3.6
Employees rate it well for
Work-Life Balance38Overall Company38
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