Credit Manager - Business Loan

Job Purpose :

To evaluate, approve, and manage credit proposals for Business Loans while ensuring portfolio quality, policy compliance, and risk control.

Key Responsibilities :

• Conduct credit appraisal of Business Loan proposals.
• Analyze financial statements, bank statements, GST returns, ITRs, bureau reports, and cash flow assessments.
• Assess borrower repayment capacity, business stability, and credit risk.
• Review and approve cases within assigned lending authority.
• Identify early warning signals and recommend risk mitigation measures.
• Coordinate with Sales, Operations, RCU, and Collections teams.
• Ensure adherence to credit policy, regulatory guidelines, and TAT commitments.
• Maintain asset quality and support portfolio growth.

Eligibility :

• Graduate in Commerce, Finance, Economics, or related discipline.
• MBA (Finance) / CA preferred.