Credit Manager - Secured Credit ( Manchirial )
Credit Saison India · Hyderabad · onsite · Posted 64d ago
Not disclosed7–10 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
Job Summary**
We are seeking an experienced Credit Manager to oversee secured credit operations in our Manchirial branch. This role involves managing the entire credit lifecycle for secured loans, from assessment and approval to monitoring and recovery, ensuring adherence to company policies and regulatory guidelines.
Job Responsibilities**
We are seeking an experienced Credit Manager to oversee secured credit operations in our Manchirial branch. This role involves managing the entire credit lifecycle for secured loans, from assessment and approval to monitoring and recovery, ensuring adherence to company policies and regulatory guidelines.
Job Responsibilities**
- Lead and manage the secured credit portfolio in the Manchirial region, ensuring healthy growth and sound asset quality.
- Conduct thorough credit appraisals and risk assessments for secured loan applications, including property, vehicle, and other asset-backed financing.
- Approve, reject, or recommend credit proposals based on comprehensive financial analysis, collateral valuation, and risk mitigation strategies.
- Ensure compliance with internal credit policies, procedures, and relevant regulatory frameworks.
- Monitor existing secured loan accounts for early warning signals, identifying and managing potential delinquencies and non-performing assets.
- Develop and implement strategies for effective loan recovery and resolution of stressed assets.
- Train, mentor, and supervise a team of credit officers, fostering a high-performance culture.
- Collaborate with sales, operations, and legal teams to streamline processes and enhance customer experience.
- Prepare and present regular reports on portfolio performance, credit quality, and risk metrics to senior management.
- Stay abreast of market trends, economic conditions, and competitive landscape affecting the secured lending industry.
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or professional certification (e.g., CA, CFA) is a plus.
- Minimum of 7-10 years of experience in credit management, with a significant focus on secured lending, preferably within the banking or financial services sector.
- Proven expertise in credit appraisal, risk assessment, collateral valuation, and recovery processes for secured loans.
- Strong understanding of financial statements, credit analysis techniques, and legal aspects of secured lending.
- Demonstrated leadership and team management skills.
- Excellent analytical, problem-solving, and decision-making abilities.
- Proficiency in credit management software and MS Office Suite.
- Strong communication, negotiation, and interpersonal skills.
- Knowledge of the local market and regulatory environment in Manchirial is highly desirable.
Sourced from foundit
Skills
ms office suiteRisk AssessmentCredit Management SoftwareRecovery processesCollateral valuationcredit appraisal
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.
Industries
Financial ServicesInternet
Employee ratings
10 reviews
4.0/ 5
Culture
3.8
Career growth
2.7
Work-life
3.9
Employees rate it well for
Company Culture40Compensation & Benefits40
Find them on