Credit Manager

CashPe; New Delhi; On-site; INR 600,000 - 1,200,000; Full time

Job summary

CashPe is seeking a versatile Credit Manager to strengthen credit evaluation, risk assessment, loan processing, documentation, KYC, fraud-control and credit operations.

The candidate will work closely with Sales, Login/Operations, Collections, Recovery, Compliance and Management teams. The role targets professionals with 1–5 years in credit underwriting, risk management, or related fintech experience, ready to own day-to-day operations.

Qualifications

• Graduate/PG with 1–5 years of experience in credit underwriting, credit appraisal, or credit risk management.
• Experience in short-term loans, salary-based loans, fintech, NBFC, digital lending, personal loans.
• Strong hands-on experience in bank statement analysis, income assessment, salary verification, and repayment-capacity analysis.
• Good understanding of CIBIL/credit bureau reports, including repayment history, overdue accounts, enquiries, settlements, write-offs, and existing liabilities.
• Evaluating applications based on credit score, FOIR, income, banking behaviour, existing obligations, and customer profile.
• Ability to identify fraud indicators, edited/altered bank statements, inconsistent information, multiple PAN details, unusual transactions, and other risk factors.
• Experience in developing or improving credit policy, underwriting rules, scorecards, risk filters, and approval matrices will be an added advantage.

Responsibilities

• Review and evaluate loan applications as per defined credit policies.
• Verify applicant information, KYC documents, income and supporting documentation.
• Assess creditworthiness and identify potential credit risks.
• Review credit bureau reports and other available customer information.
• Identify inconsistencies, adverse information and potential fraud indicators.
• Recommend approval, rejection, hold or additional verification based on applicable policy.
• Ensure appropriate documentation and credit checks before disbursement.
• Maintain proper credit files and audit trails.

Skills

Credit underwriting

Risk assessment

Team management

KYC compliance

Fraud detection

Financial analysis

Education

Graduate/Postgraduate

Tools

MS Excel

CRM

LOS/LMS

Credit tools

MIS reporting

Job description

We are looking for a versatile and result-oriented Credit Manager to manage and strengthen the company's credit evaluation, risk assessment, loan processing, documentation, KYC, fraud-control and credit operations functions.

The candidate will be responsible for ensuring that loan applications are processed efficiently while maintaining strong credit and risk controls.

The role will involve working closely with Sales, Login/Operations, Collections, Recovery, Compliance and Management teams.

The position is suitable for a professional with experience in Credit, Risk, RCU/Fraud Control, Loan Processing and Team Management who can take ownership of day-to-day credit operations and gradually take responsibility for broader credit-p

Key Responsibilities

• Review and evaluate loan applications as per defined credit policies.
• Verify applicant information, KYC documents, income and supporting documentation.
• Assess creditworthiness and identify potential credit risks.
• Review credit bureau reports and other available customer information.
• Identify inconsistencies, adverse information and potential fraud indicators.
• Recommend approval, rejection, hold or additional verification based on applicable policy.
• Ensure appropriate documentation and credit checks before disbursement.
• Maintain proper credit files and audit trails.

Preferred candidate profile

• Graduate/Postgraduate with 1-5 years of relevant experience in credit underwriting, credit appraisal, or credit risk management.
• Candidates with experience in short-term loans, salary-based loans, fintech, NBFC, digital lending, personal loans will be preferred.
• Strong hands-on experience in bank statement analysis, income assessment, salary verification, and repayment-capacity analysis.
• Good understanding of CIBIL/credit bureau reports, including repayment history, overdue accounts, enquiries, settlements, write-offs, and existing liabilities.
• Experienced in evaluating applications based on credit score, FOIR, income, banking behaviour, existing obligations, and customer profile.
• Strong ability to identify fraud indicators, edited/altered bank statements, inconsistent information, multiple PAN details, unusual transactions, and other risk factors.
• Should have a strong understanding of short-term loan underwriting and risk-based credit decisions.
• Ability to take independent approve / reject / hold / review decisions within the company's credit policy and risk parameters.
• Experience in monitoring DPD, delinquency, NPA, bounce, and portfolio performance and using these trends to improve underwriting.
• Strong analytical skills with good knowledge of MS Excel, CRM, LOS/LMS, credit tools, and MIS reporting.
• Should be target-oriented while maintaining a strong balance between business growth and portfolio quality.
• Good communication, leadership, decision-making, and team-management skills.
• High attention to detail and ability to handle high-volume credit applications within defined TAT.
• Should understand and follow responsible lending, customer-data protection, internal credit policies, and applicable regulatory requirements.
• Experience in developing or improving credit policy, underwriting rules, scorecards, risk filters, and approval matrices will be an added advantage.