Credit Manager - Secured Credit ( Tirupati )
Credit Saison India · Tirupati · onsite · Posted 64d ago
Not disclosed5–8 yrsfulltimeSourced from
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About this role
Job Summary:**
The Credit Manager - Secured Credit (Tirupati) is responsible for managing the secured credit portfolio in the Tirupati region, ensuring the quality and profitability of lending operations. This role involves assessing creditworthiness, mitigating risks, and adhering to company policies and regulatory guidelines.
Job Responsibilities:**
The Credit Manager - Secured Credit (Tirupati) is responsible for managing the secured credit portfolio in the Tirupati region, ensuring the quality and profitability of lending operations. This role involves assessing creditworthiness, mitigating risks, and adhering to company policies and regulatory guidelines.
Job Responsibilities:**
- Lead the credit assessment and underwriting process for secured loan applications, including property loans, vehicle loans, and other asset-backed financing.
- Conduct thorough financial analysis of borrowers, including income, assets, liabilities, and repayment capacity.
- Evaluate collateral offered for secured loans, ensuring proper valuation, documentation, and enforceability.
- Manage credit risk effectively by identifying potential issues, implementing mitigation strategies, and monitoring portfolio performance.
- Ensure compliance with all internal credit policies, procedures, and external regulatory requirements.
- Review and approve credit proposals within delegated authority limits, or prepare recommendations for higher-level approval.
- Collaborate with sales and operations teams to facilitate efficient loan processing and customer service.
- Monitor portfolio health, identify early warning signs of default, and initiate corrective actions.
- Handle customer queries and concerns related to credit decisions and loan terms.
- Prepare regular reports on portfolio performance, credit quality, and compliance.
- Stay updated on market trends, economic conditions, and changes in lending regulations.
- 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, specifically within secured lending, preferably in a banking or financial services institution.
- Proven experience in credit assessment, risk analysis, and portfolio management.
- Strong understanding of secured lending products, property valuation, and legal aspects of collateral.
- Excellent analytical, decision-making, and problem-solving skills.
- Proficiency in financial modeling and credit analysis tools.
- Demonstrated ability to manage a team and work collaboratively.
- Strong communication and interpersonal skills.
- Knowledge of the local market and regulatory environment in Tirupati is highly desirable.
- Proficiency in English and Telugu (spoken and written) is essential.
Sourced from foundit
Skills
credit analysis toolslegal aspects of collateralProperty ValuationFinancial ModelingPortfolio ManagementCredit AssessmentRisk Analysissecured lending products
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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