Credit Manager - Secured Credit ( Kurnool )
Credit Saison India · Kurnool · onsite · Posted 63d ago
Not disclosed5–8 yrsfulltimeSourced from
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About this role
This role involves overseeing and managing the secured credit portfolio in Kurnool, ensuring adherence to credit policies, risk assessment, and effective loan disbursement and recovery.
Job Responsibilities:**
Job Responsibilities:**
- Manage the entire secured credit lifecycle, including origination, appraisal, sanctioning, and monitoring for retail and SME clients.
- Conduct thorough financial analysis, risk assessment, and due diligence on loan applications, specifically for secured products (e.g., mortgages, loans against property).
- Ensure compliance with internal credit policies, regulatory guidelines, and legal requirements.
- Develop and implement effective strategies for credit risk mitigation and portfolio management.
- Lead and mentor a team of credit officers, providing guidance and training on credit assessment and underwriting processes.
- Monitor portfolio performance, identify early warning signals, and initiate corrective actions to minimize non-performing assets (NPAs).
- Collaborate with sales teams to understand business requirements and provide suitable credit solutions.
- Prepare and present credit reports and analyses to senior management.
- Handle customer queries and grievances related to secured credit products.
- Stay updated with market trends, economic conditions, and regulatory changes impacting the secured lending landscape.
- 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 5-8 years of experience in credit management, with a strong focus on secured lending products.
- Proven track record of managing a significant secured credit portfolio.
- In-depth knowledge of financial analysis, credit appraisal techniques, and risk management principles.
- Thorough understanding of regulatory frameworks and compliance requirements for secured lending in India.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong leadership and team management abilities.
- Exceptional communication and interpersonal skills.
- Proficiency in relevant credit assessment software and Microsoft Office Suite.
- Local knowledge of the Kurnool market and surrounding areas is highly desirable.
Sourced from foundit
Skills
credit appraisal techniquescredit assessment softwareMicrosoft Office SuiteRisk management principlesfinancial analysis
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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