{"@context":"https://schema.org","@type":"JobPosting","title":"Credit Manager","description":"

Role & responsibilities

Evaluate loan applications by analyzing financial, banking, and business documents.

Conduct Telephonic Personal Discussions (Tele PD) and Field/Physical Personal Discussions (Field PD) to establish customer creditworthiness.
Perform income assessment, repayment capacity analysis, and risk evaluation.
Verify customer profile through residence, office, business, and reference checks.
Analyze bank statements, bureau reports, GST, ITRs, financial statements, and other relevant documents.
Recommend approval, decline, or deviation requests within delegated authority.
Ensure compliance with credit policy, regulatory guidelines, and internal processes.
Coordinate with Sales, Operations, Legal, and Technical teams for smooth loan processing.
Maintain prescribed Turnaround Time (TAT) without compromising portfolio quality.
Monitor portfolio performance and identify early warning signals.
Handle escalations and support audit and compliance requirements.
Mentor junior credit officers, where applicable.

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