Credit

IKF Finance Limited; Hyderabad; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

IKF Finance Limited seeks a Credit Manager (Commercial Vehicle Finance) to join the Credit team in Hyderabad. You will evaluate CV loan proposals, perform financial analysis, verify credit documents, and ensure compliance with RBI/NBFC guidelines.

The role demands strategic credit structuring and effective coordination with sales and operations. Ideal candidates have 3–5 years of experience, strong analytical skills, and a solid understanding of EMI structures, repayment schedules, and

Qualifications

• Experience in credit appraisal and risk assessment for NBFCs.
• Understanding of loan structures, repayment schedules, and EMI calculations.
• Ability to verify documents, credit bureau reports, and maintain policy compliance.
• Strong analytical and decision-making capabilities in fast-paced NBFC environments.

Responsibilities

• Evaluate and appraise credit proposals for CV loans while ensuring policy compliance.
• Perform in-depth financial analysis of applicants including cash flows and repayment capacity.
• Assess borrower creditworthiness using documents, credit reports, and field checks.
• Structure loan proposals balancing growth with risk control.
• Monitor repayment patterns and flag delinquency signals for actions.

Skills

Financial Analysis

Strategic Thinking

Loan Repayment

Analytical Skills

CV Industry Knowledge

Adaptability

Communication

Attention to Detail

Education

M.Com

CA (Inter or Final)

CMA

Job description

Job Description: Credit Manager (Commercial Vehicle Finance)

Company: IKF FINANCE NBFC
Department: Credit
Location: Hyderabad
Experience Required: 3–5 years
Education: M.Com / CA (Inter or Final) / CMA

About the Role

We are looking for a driven and detail-oriented Credit Manager to join our Credit/Risk team, focusing on Commercial Vehicle (CV) Finance. The ideal candidate will have strong financial analysis skills, a solid understanding of loan repayment structures, and the ability to make sound credit decisions in a fast-paced NBFC environment.

Key Responsibilities

• Evaluate and appraise credit proposals for commercial vehicle loans, ensuring adherence to company credit policy and risk appetite
• Conduct in-depth financial analysis of applicants, including income assessment, cash flow evaluation, and repayment capacity
• Assess creditworthiness of borrowers through document verification, credit bureau reports, and field investigation reports
• Structure loan proposals strategically, balancing business growth targets with portfolio quality and risk control
• Monitor loan repayment patterns, identify early warning signals, and recommend corrective actions on delinquent accounts
• Coordinate with sales, operations, and legal teams to ensure smooth loan processing and disbursement
• Stay updated on CV industry trends, asset valuations, and market dynamics affecting credit decisions
• Prepare credit appraisal notes/memos and present recommendations to senior management/credit committee
• Ensure compliance with RBI/NBFC regulatory guidelines and internal audit requirements
• Contribute to portfolio quality management, NPA control, and collections strategy as needed

Key Skills Required

• Financial Analysis – strong ability to analyze financial statements, cash flows, and repayment capacity
• Strategic Thinking – experience structuring credit decisions aligned with business and risk objectives
• Loan Repayment Knowledge – sound understanding of repayment schedules, EMI structures, and delinquency management
• Strong analytical and decision‑making skills
• Good understanding of commercial vehicle industry and asset financing
• Quick learner, adaptable to a dynamic NBFC work environment
• Effective communication and cross-functional coordination skills
• Attention to detail and sound judgment under pressure