Walk-in || Credit Manager

Roles & Responsibilities Credit Manager

- Manage and oversee end-to-end credit assessment and loan approval processes for personal loan/payday loan products.

- Evaluate loan applications, credit reports, income documents, repayment capacity, and overall creditworthiness of applicants.

- Analyze credit bureau reports, including CIBIL, Experian, Equifax, and CRIF High Mark, to assess credit risk.

- Ensure compliance with the company's credit policies, lending guidelines, and applicable RBI regulations.

- Establish and monitor credit risk parameters to minimize potential loan defaults and financial losses.

- Review and approve/recommend loan applications within the defined authority limits.

- Monitor portfolio quality, delinquency trends, and credit performance, and recommend corrective actions.

- Prepare credit reports, MIS, and performance analysis for management review.

- Identify potential fraud risks and ensure proper verification of customer documents.

- Drive team productivity, maintain turnaround time (TAT), and ensure adherence to internal processes and compliance standards.Role & responsibilities

Preferred candidate profile