Credit Executive

Enerjazz (YC S21); Delhi; On-site; INR 600,000 - 900,000; Full time

Benefits offered by this job

Competitive salary

Performance incentives

Future ESOP pool

Job summary

A fast-growing EV battery startup in Delhi is seeking a Credit Executive to manage credit evaluations and collections for e-rickshaw drivers. The successful candidate will ensure rigorous documentation, conduct field verifications, and collaborate with sales teams to ensure seamless onboarding. This entry-level role offers a competitive salary, and performance incentives, and the opportunity to grow within the company. Strong Hindi communication skills and proficiency in documentation are essential for success in this position.

Qualifications

• Strong verbal and written communication in Hindi.
• Experience using Google Sheets for documentation.
• Skills in fraud detection and analysis.
• Fieldwork capability for verification processes.
• Assertive attitude towards credit and collections.

Responsibilities

• Conduct thorough credit evaluations for driver applicants.
• Ensure all relevant documentation is collected and verified.
• Track EMI collections and respond proactively to overdue accounts.
• Coordinate with sales and ops teams for customer onboarding.
• Prepare and analyze credit-related reports and dashboards.
• Prepare weekly reports on approval rate, reasons for rejection, and collection efficiency.

Skills

Strong Hindi communication (driver-level + professional-level)

High discipline with documentation and Google Sheets

Ability to detect fraud patterns

Comfort in fieldwork (spot checks, dealer visits)

Calm, firm, and assertive mindset for credit + collections

Tools

Google Sheets

Job description

Credit Executive – Enerjazz

Role: Credit Executive Function: Credit, Risk & Collections Objective: Ensure strict and disciplined credit evaluation, onboarding, verification, and repayment monitoring of e-rickshaw drivers purchasing Enerjazz lithium-ion batteries. Build a robust credit system that balances growth with portfolio quality.

Role Objectives

Own end-to-end driver credit evaluation and repayment discipline across regions. This role ensures Enerjazz installs batteries only with safe, validated customers and maintains low default rates through strong follow-ups, documentation, and field verification workflows.

Key Responsibilities

• Credit Evaluation & Customer Onboarding
• Conduct phone-based and field-based verification (directly or via outsourced partner).
• Confirm KYC, address, vehicle details, route, daily earnings, and references.
• Identify fraud signals, mismatched information, or risky profiles.
• Score and categorize customers (A/B/C) using Enerjazz’s internal criteria.
• Approve or reject applications with clear documentation.
• Documentation & Compliance – Ensure complete KYC, rental agreement, RC, permit, Aadhaar, photos, and signatures before approval; maintain accurate, audit‑ready files in Google Drive/CRM; cross‑check duplicate customers, mismatched RCs, or wrong guarantor references.
• EMI Tracking & Collections Support – Track daily/weekly EMI status using CRM + Google Sheets; proactively call customers before due dates and expedite overdue cases; coordinate with field collection agents when needed; maintain bucket-wise recovery performance.
• Coordination With Sales & Ops – Work closely with the Sales team to validate customers being onboarded; ensure no installation happens without credit clearance; coordinate with Logistics for installation timing based on approval status.
• Reporting & Analytics – Prepare weekly dashboards covering: approval rate, rejection reasons, pending cases, collection efficiency, 7/14/30 day overdue buckets; recommend improvements to credit policy based on field learnings.

Must‑Have Skills

• Strong Hindi communication (driver‑level + professional‑level)
• High discipline with documentation and Google Sheets
• Ability to detect fraud patterns and inconsistencies
• Comfort in fieldwork (spot checks, dealer visits, customer house visits)
• Calm, firm, and assertive mindset for credit + collections

Bonus Skills

• Experience in NBFC, e‑rickshaw financing, microfinance, two‑wheeler loans, battery financing, or collections
• Ability to speak basic English for internal coordination
• Knowledge of rural/urban last‑mile transport ecosystem

KPIs You Will Own

• Credit Approval Accuracy: < 5% cases turning into NPA
• EMI Collection Efficiency: > 92%
• Documentation Accuracy: > 98%
• Turnaround Time: Credit decision within 4 hrs
• Fraud/Bad Case Leakage

Growth Path

• Senior Credit Analyst (12–18 months)
• Credit & Collections Lead (24–36 months)
• Opportunity to build the credit team as Enerjazz scales pan‑India

Why Join Enerjazz

• Shape the credit engine of one of India’s fastest‑growing EV battery startups.
• Work directly with the founder on mission‑critical decisions.
• Be part of an ambitious team solving mobility and financing challenges for thousands of drivers.
• Competitive salary + performance incentives + future ESOP pool.

Seniority level: Entry level

Employment type: Full‑time

Job function: Business Development and Sales

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