Credit Manager

Experience: (2 - 7 years)

Ludhiana & Jaipur

Credit Manager

Location: Ludhiana & Jaipur

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Key Functions & Responsibilities

• Doing PD.

• Checking and appraising proposals, scrutinizing documents including Cibil analysis by ensuring proper KYC etc. before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO.

• Handling all system related work including entry into DMS, Jayam System etc.

• Reference check of the customers from neighbors, customers, suppliers, market and/or existing customers.

• Coordinating with the team. Keeping update about market scenario in his area and giving constant updates to Head office credit team.

• Primary assessment & analysis of reasons of non-starter cases.

Education & Experience Requirement

Education: B.COM /M.B.A Finance/ and ANY postgraduate

Experience: 2 to 7 years

Language Skills: English, Hindi.

Experience and knowledge:

◉ Having at least minimum 2-7 years’ experience from BFSI preferably for underwriting experience in loan products like secured loans, LAP
◉ Should have knowledge about Financial statements (preferably understanding of ratios & analysis), Banking, CIBIL reports, etc.
Desired Candidate Profile:

Technical Competencies Required:

◉ Good experience in Credit underwriting
◉ Good in Ratio analysis, Balance sheet analysis, P&L analysis
◉ Good eye for detail
◉ Good analytical Skills
◉ Understanding of credit policies and procedures

Behavioral Competencies Required:

◉ Analytical thinking
◉ Commitment
◉ Result oriented
◉ Customer Centric
◉ Concern for quality

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