Area Credit Manager - Emerging Markets

Flourish Ventures; Jodhpur; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Flourish Ventures is seeking an Area Credit Manager in Jodhpur to oversee the credit underwriting for secured loan products. The ideal candidate will have 1-3 years of experience in credit underwriting and possess a CA or MBA in Finance. Responsibilities include analyzing loan applications, managing business targets, and maintaining client communications. Strong analytical and decision-making skills are essential, along with a willingness to travel. Join us to contribute to our growing team in emerging markets.

Qualifications

• Qualified CA or MBA in Finance (or related field) with specialization in loan underwriting.
• Minimum of 1-3 years of experience in credit underwriting, preferably in secured lending or mortgage sectors.
• Willingness to travel as part of job responsibilities.

Responsibilities

• Oversee credit underwriting for secured loan products.
• Take responsibility for business targets and delinquency management.
• Analyze financial statements and credit reports for loan applications.
• Approve loan applications while adhering to credit policies.
• Conduct discussions with clients to assess creditworthiness.

Skills

Credit underwriting

Analytical skills

Communication skills

Decision-making

Education

CA or MBA in Finance

Job description

Area Credit Manager – Emerging Markets

Department: Credit

Location: Jodhpur, Mysore, Jaipur, Nashik, Hubbli, Mangalore, Ludhiana, Chandigarh, Puducherry, Indore, Nagpur

Role

• Area Credit Manager in LAP is responsible for overseeing the credit underwriting for secured loan products, such as mortgages & Micro-LAP loans for the location.

Key Responsibilities

Business Ownership & Collaboration

• Take full responsibility for business targets and delinquency management for the assigned location.
• Work closely with sales teams, risk, and other stakeholders to ensure smooth and timely loan application processing.

Loan Evaluation & Approval

• Analyze financial statements, credit reports, and collateral valuations to evaluate secured loan applications, including mortgages.
• Approve loan applications within delegated authority while adhering to credit policies and risk guidelines.

Client Interaction & Communication

• Conduct personal discussions with clients to assess creditworthiness and determine loan eligibility.
• Maintain excellent verbal and written communication to effectively interact with clients and internal stakeholders.

Credit Documentation & Compliance

• Prepare detailed Credit Appraisal Memos (CAM) documenting the rationale behind loan decisions.
• Ensure strict compliance with internal credit policies, regulatory requirements, and risk management frameworks.

Attention to Detail

• Meticulously review all loan application documents to ensure accuracy and completeness.
• Identify and address any inconsistencies or policy deviations before loan approval.

Qualification & Experience

Educational Background

• Qualified CA or MBA in Finance (or related field) with specialization in loan underwriting.
• Fresher CAs and MBAs from reputed colleges may also be considered.

Experience Requirements

• Minimum of 1–3 years of experience in credit underwriting, preferably in secured lending or mortgage sectors.

Additional Requirements

• Willingness to travel as part of job responsibilities.
• Strong analytical, decision-making, and communication skills.

Key Skills & Competencies

• Individual contributor role responsible for end-to-end credit underwriting and appraisal.
• Collaborate closely with sales teams and other stakeholders to ensure smooth and timely processing of loan applications.