Walk-in || Graduate Trainee

Job Description

Position Details

Role / Position Name: Credit Admin
Function: Credit
Department: Central Credit Team
Location: Andheri
Scope of Travel: No Travel Required
Reporting To: Area Credit Manager

Job Overview

The Credit Admin is responsible for managing and overseeing the credit function by ensuring sound credit appraisal, risk assessment, and compliance with internal policies and regulatory requirements. The role focuses on maintaining portfolio quality, minimizing credit risk, supporting business growth, and ensuring efficient and timely credit decision-making across lending products.

Qualification

• Postgraduate Degree in Commerce, Finance, or a related field.

Experience

• Fresh postgraduates with strong analytical abilities and an interest in credit management may also be considered.

Skills & Competencies

• Strong credit management and credit risk assessment skills
• Analytical and decision-making abilities
• Experience in finance, underwriting, or credit evaluation
• Attention to detail and compliance orientation
• Understanding of lending policies and regulatory requirements
• Stakeholder management and coordination skills

Key Roles & Responsibilities

• Assess customer creditworthiness through detailed financial analysis, income assessment, and risk evaluation.
• Make informed loan approval or rejection decisions in line with company policies and risk appetite.
• Manage branch-level credit risks and ensure overall portfolio quality is maintained.
• Coordinate with Legal, Technical, FI, and RCU teams for comprehensive due diligence and risk validation.
• Monitor delinquency trends and recommend corrective actions to minimize future credit risks.
• Ensure compliance with internal credit policies, underwriting standards, and regulatory guidelines.
• Support business growth by balancing risk control with efficient credit turnaround times.
• Review and improve credit policies, scoring models, and branch credit processes for enhanced efficiency and control.