Credit Manager

Electronica Finance Limited; Chennai District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Electronica Finance Limited is seeking a Credit Manager to scale our MSME Loan, Machinery loan, and LAP portfolio. You will act as the financial gatekeeper, balancing growth with rigorous risk mitigation.

You will underwrite high-value LAP and Machinery loan proposals for MSME borrowers, analyze complex financials, and verify collateral and legal documents to ensure portfolio hygiene.

Qualifications

• 5+ years in LAP or Machinery loan underwriting
• MSME customer segment expertise
• Graduate or postgraduate in Finance, CA or MBA Finance

Responsibilities

• Evaluate high-value LAP and Machinery loan proposals for MSME borrowers (brief).
• Analyze financial statements, tax audits, and cash flows.
• Assess borrower repayment capacity via banking and GST analysis.
• Conduct risk assessments on industry and market trends.
• Verify collateral reports and legal vetting documents.
• Detect and mitigate potential fraud through verification.
• Partner with Sales to structure viable loan deals.
• Coordinate with Operations for timely disbursements.
• Present credit cases to sanctioning authorities.

Skills

LAP underwriting

Machinery loan underwriting

MSME expertise

Credit risk analysis

Financial statement analysis

Ratio analysis

Collateral evaluation

Banking regulations

LOS experience

Credit software

Education

Graduate/Postgraduate in Finance, CA, or MBA Finance

Tools

LOS software

Credit software tools

Job description

We are seeking an analytical and risk-conscious Credit Manager to scale our MSME Loan, Machinery loans and Against Property (LAP) portfolio. You will be the financial gatekeeper, balancing business growth with impeccable risk mitigation.

Key Responsibilities Credit Underwriting & Risk Analysis

• Evaluate high-value LAP loan and Machinery loan proposals for MSME borrowers.
• Analyze complex financial statements, tax audits, and cash flows.
• Assess borrower repayment capacity through banking and GST analysis.
• Conduct detailed risk assessments regarding industry and market trends.
• Verify collateral valuation reports and legal vetting documents.
• Detect and mitigate potential fraud risks through strict verification.

Policy Compliance & Portfolio Hygiene

• Align all underwriting decisions with corporate credit policies.
• Ensure strict adherence to regulatory and compliance guidelines.
• Monitor portfolio quality to minimize non-performing assets (NPAs).
• Maintain impeccable credit hygiene across all loan files.
• Implement corrective actions based on internal audit findings.

Stakeholder Collaboration

• Partner with Sales teams to understand client profiles.
• Structure viable loan deals without compromising credit parameters.
• Coordinate with Operations for timely and accurate loan disbursements.
• Interact with credit verification agencies and legal vendors.
• Present complex credit cases to higher sanctioning authorities.

3. Desired Candidate Profile Experience & Qualifications

• Minimum Experience:5+ years in LAP or Machinery loan underwriting specifically.
• Segment Focus:Proven expertise handling MSME customer segments.
• Education:Graduate/Postgraduate in Finance, CA, or MBA Finance.

Technical & Operational Skills

• Strong understanding of collateral evaluation methods.
• Deep knowledge of banking regulations and financial analysis.
• Proficiency in loan origination systems (LOS) and credit software.
• Excellent balance sheet analysis and ratio analysis skills.