Credit Manager

Some high level things you would own but not limited to:
You will evaluate creditworthiness of loan applicants through analysis of financial statements,credit scores, payment history, and other relevant factors.
You will make informed decisions on loan applications based on the company's credit policies andrisk tolerance.
You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigationstrategies - Credit Assessment and Decision Making
You will oversee the end-to-end credit operations process, including loan application processing,documentation, and disbursement.
You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensuresmooth and efficient credit operations.
You will develop and implement credit policies, procedures, and guidelines to enhance efficiencyand maintain compliance - Credit Operations Management.
You will monitor and manage the credit portfolio to identify early warning signs, trends, andpotential areas of concern.
You will perform periodic portfolio analysis to assess the performance of loans, identify patterns,and make recommendations for portfolio optimization.
You will utilize data and analytics to generate insights and develop strategies for minimizing creditrisk and improving portfolio quality - Portfolio Monitoring and Analysis.
You will stay updated on relevant regulations, guidelines, and industry best practices related tocredit and lending.
You will ensure compliance with regulatory requirements and internal policies in all credit-relatedactivities.
You will collaborate with the Compliance and Legal teams to address any compliance issues andimplement necessary controls - Compliance and Regulatory Adherence.