Credit Manager

Sindhuja Micro Credit; Bulandshahr; On-site; INR 400,000 - 700,000; Full time

Benefits offered by this job

Competitive salary

Career growth

Collaborative environment

India exposure

Job summary

Sindhuja Micro Credit in India invites a Credit Officer to monitor loan portfolios, assess risk, underwrite MSME loans, and ensure adherence to credit policies. You will analyze documents, perform KYC, and collaborate with sales and operations to ensure timely approvals and disbursements.

The role offers a competitive salary, growth opportunities, and a collaborative work environment within a leading financial services company in India.

Responsibilities

• Monitor loan portfolios to ensure PAR and NPA levels remain within budgeted norms
• Conduct risk assessments and develop recovery strategies for the portfolio
• Underwrite MSME loans after scrutiny of documents, CIBIL analysis, and KYC procedures
• Perform business analysis to approve or enhance loan limits, ensuring profitability and minimizing risk
• Ensure strict adherence to credit policies and processes
• Maintain portfolio quality as per company standards
• Communicate with clients to gather information, explain credit decisions, and ensure satisfaction
• Collaborate with cross-functional teams for a smooth credit approval process
• Ensure activities from application to disbursement meet turnaround times
• Manage system-related work, including entries into the system

Job description

Role & responsibilities

• Monitor loan portfolios to ensure that PAR (Pertaining to Amount on Record) and NPA (Non- Performing Assets) levels remain within budgeted and company norms.
• Conduct detailed risk assessments and develop recovery strategies for the portfolio.
• Underwrite MSME loans (term loans, working capital loans) after thorough scrutiny of documents, CIBIL analysis, and KYC procedures.
• Perform detailed business analysis to approve or enhance loan limits, ensuring profitability and minimizing risk.
• Ensure strict adherence to the company's credit policies and processes.
• Maintain quality of the loan portfolio as per company standards and guidelines
• Communicate effectively with clients to gather information, explain credit decisions, and ensure customer satisfaction.
• Collaborate with cross-functional teams, including sales and operations, for a smooth credit approval process.
• Ensure that all activities related to credit, from application to disbursement, meet predefined turnaround times.
• Manage system-related work, including entries into

What We Offer:

• Competitive salary and benefits package.
• Opportunities for professional growth and development.
• A collaborative and supportive work environment.
• Chance to work with a leading financial services company in India.