Credit Manager - Nandyal
Credit Saison India · Not specified · onsite · Posted 53d ago
Not disclosed5–7 yrsfulltimeSourced from
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About this role
Job Summary:**
The Credit Manager will be responsible for overseeing and managing all credit-related activities within the Nandyal branch, ensuring sound lending practices, risk mitigation, and adherence to company policies and regulatory guidelines.
Job Responsibilities:**
The Credit Manager will be responsible for overseeing and managing all credit-related activities within the Nandyal branch, ensuring sound lending practices, risk mitigation, and adherence to company policies and regulatory guidelines.
Job Responsibilities:**
- Manage the end-to-end credit assessment process for various loan products, including individual and business loans.
- Analyze financial statements, credit reports, and other relevant data to evaluate creditworthiness of applicants.
- Conduct thorough due diligence and risk assessments to identify potential credit risks and propose mitigation strategies.
- Approve, reject, or recommend credit proposals based on established credit policies and delegated authority.
- Monitor existing loan portfolios for early warning signs of default and initiate appropriate recovery actions.
- Develop and implement strategies to minimize credit losses and maintain a healthy portfolio quality.
- Ensure compliance with all internal credit policies, regulatory requirements, and lending guidelines.
- Liaise with sales, operations, and legal teams to facilitate smooth credit processing and resolution of issues.
- Prepare and present credit reports and analyses to senior management.
- Train and mentor junior credit officers and support staff.
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., CA, CFA) is a plus.
- Minimum of 5-7 years of progressive experience in credit management within the financial services industry, preferably with experience in a Non-Banking Financial Company (NBFC).
- Strong understanding of credit analysis techniques, financial modeling, and risk assessment methodologies.
- In-depth knowledge of Indian financial regulations and lending practices.
- Proven track record of managing a significant credit portfolio with low delinquency rates.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong communication, negotiation, and interpersonal skills.
- Proficiency in Microsoft Office Suite, especially Excel, and experience with credit management software.
- Ability to work independently and as part of a team in a fast-paced environment.
- Fluency in Telugu and English is essential.
Sourced from foundit
Skills
Microsoft Office SuiteRisk assessment methodologiesFinancial ModelingCredit Management Softwarecredit analysis techniquesexcel
About Credit Saison India
Credit Saison India
Financial Services
1.4k+
employees
2019
7 years old
Bangalore / Bengaluru, Karnataka
IN
₹15.9L PA avg
Avg at Credit Saison India
About
Established in 2019, Credit Saison India is one of the fastest-growing Non-Banking Financial Companies (NBFCs) in the country. The company operates across four key verticals: wholesale lending, fintech partnerships, branch-led distribution, and embedded financing. Leveraging technology and strong underwriting capabilities, Credit Saison India enables efficient and scalable credit delivery, particularly to underserved and underpenetrated segments. It is backed by Credit Saison Co., Ltd., a Tokyo Stock Exchange-listed financial services company, and is an affiliate of Mizuho Bank, Japan. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.
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