Area Credit Manager

Neogrowth Credit; Bengaluru; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Neogrowth Credit in Bengaluru is seeking a diligent Credit Analyst to evaluate borrower creditworthiness, prepare credit assessments, and monitor reports in line with internal policies and RBI/SEBI guidelines.

The role includes portfolio risk monitoring, client visits, and industry reference checks to inform risk decisions and renewals. You will contribute to early warning signals and ensure proper credit documentation for timely recovery actions.

Qualifications

• Assess eligibility and creditworthiness as per policy guidelines.
• Prepare credit evaluations, reviews and renewals with risk assessments.
• Monitor loan portfolios and early warning signals.
• Conduct client visits and prepare visit reports.
• Coordinate reference checks and gather market intelligence.
• Ensure compliance with RBI/SEBI guidelines.

Responsibilities

• Evaluate borrower creditworthiness and prepare credit assessment reports.
• Monitor portfolio risk and ensure adherence to internal policies and regulatory guidelines.
• Conduct client visits and document visit reports.
• Perform industry reference checks and gather market intelligence.
• Support timely recovery and monitoring activities.

Skills

Credit assessment

Policy compliance

Risk monitoring

Industry reference checks

Regulatory knowledge RBI/SEBI

Job description

Role & responsibilities

Responsible for evaluating borrower creditworthiness, preparing credit assessment and monitoring reports, and ensuring adherence to internal credit policies and regulatory guidelines. The role involves portfolio risk monitoring, client visits, industry reference checks, and ongoing review of credit exposures.

Preferred candidate profile

• Assess applicant eligibility and creditworthiness as per policy guidelines.
• Prepare credit evaluation, review, and renewal reports with risk assessment and recommendations.
• Monitor loan portfolios, credit triggers, and early warning signals.
• Conduct client visits and prepare detailed visit reports.
• Coordinate reference checks and gather industry and market intelligence.
• Ensure compliance with internal credit policies and regulatory guidelines (RBI, SEBI, etc.).

Maintain proper credit documentation and support timely recovery and monitoring activities