Credit

Job Description: Credit Manager (Commercial Vehicle Finance)

Company: IKF FINANCE NBFC
Department: Credit
Location: Hyderabad
Experience Required: 3–5 years
Education: M.Com / CA (Inter or Final) / CMA

About the Role

We are looking for a driven and detail-oriented Credit Manager to join our Credit/Risk team, focusing on Commercial Vehicle (CV) Finance. The ideal candidate will have strong financial analysis skills, a solid understanding of loan repayment structures, and the ability to make sound credit decisions in a fast-paced NBFC environment.

Key Responsibilities

• Evaluate and appraise credit proposals for commercial vehicle loans, ensuring adherence to company credit policy and risk appetite
• Conduct in-depth financial analysis of applicants, including income assessment, cash flow evaluation, and repayment capacity
• Assess creditworthiness of borrowers through document verification, credit bureau reports, and field investigation reports
• Structure loan proposals strategically, balancing business growth targets with portfolio quality and risk control
• Monitor loan repayment patterns, identify early warning signals, and recommend corrective actions on delinquent accounts
• Coordinate with sales, operations, and legal teams to ensure smooth loan processing and disbursement
• Stay updated on CV industry trends, asset valuations, and market dynamics affecting credit decisions
• Prepare credit appraisal notes/memos and present recommendations to senior management/credit committee
• Ensure compliance with RBI/NBFC regulatory guidelines and internal audit requirements
• Contribute to portfolio quality management, NPA control, and collections strategy as needed

Key Skills Required

• Financial Analysis – strong ability to analyze financial statements, cash flows, and repayment capacity
• Strategic Thinking – experience structuring credit decisions aligned with business and risk objectives
• Loan Repayment Knowledge – sound understanding of repayment schedules, EMI structures, and delinquency management
• Strong analytical and decision-making skills
• Good understanding of commercial vehicle industry and asset financing
• Quick learner, adaptable to a dynamic NBFC work environment
• Effective communication and cross-functional coordination skills
• Attention to detail and sound judgment under pressure