Credit Manager - Secured Credit ( Siddipet )
Credit Saison India · Hyderabad · onsite · Posted 63d ago
Not disclosed5–7 yrsfulltimeSourced from
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About this role
Job Summary:**
We are seeking an experienced Credit Manager to oversee secured credit operations in Siddipet. This role involves managing a portfolio of secured loans, ensuring credit quality, and adhering to company policies and regulatory guidelines.
Job Responsibilities:**
We are seeking an experienced Credit Manager to oversee secured credit operations in Siddipet. This role involves managing a portfolio of secured loans, ensuring credit quality, and adhering to company policies and regulatory guidelines.
Job Responsibilities:**
- Manage and evaluate credit applications for secured loans, conducting thorough financial analysis, risk assessment, and collateral valuation.
- Approve, decline, or recommend credit proposals based on established credit policies and risk parameters.
- Monitor existing secured loan portfolios to identify potential risks, delinquencies, and ensure timely repayments.
- Develop and implement strategies for effective recovery of non-performing assets within the secured credit portfolio.
- Ensure compliance with all internal credit policies, procedures, and relevant regulatory requirements.
- Liaise with sales teams, legal teams, and recovery agents to facilitate smooth credit operations and collections.
- Prepare and present credit reports and portfolio performance analysis to senior management.
- Train and mentor junior credit officers and support staff as needed.
- Stay updated on market trends, economic conditions, and changes in lending regulations affecting secured credit.
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification is a plus.
- Minimum of 5-7 years of experience in credit management, with a strong focus on secured lending, preferably within a financial institution.
- Proven track record of managing a significant secured credit portfolio with excellent credit quality.
- In-depth knowledge of credit appraisal, risk assessment, and collateral valuation techniques for various secured assets (e.g., property, vehicles, gold).
- Strong understanding of banking regulations and compliance requirements related to secured lending.
- Excellent analytical, decision-making, and problem-solving skills.
- Proficiency in financial modeling and credit analysis software.
- Strong communication, negotiation, and interpersonal skills.
- Ability to work independently and as part of a team in a fast-paced environment.
- Local knowledge of the Siddipet market and customer base is highly desirable.
Sourced from foundit
Skills
credit analysis softwareRisk AssessmentFinancial ModelingCollateral 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.
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