Credit Manager

Protium Finance Ltd; New Delhi; On-site; INR 550,000 - 850,000; Full time

Job summary

Protium Finance Ltd in Delhi is seeking a Credit Analyst to assess borrowers’ creditworthiness by analyzing financial statements, credit history, and repayment capacity.

You will evaluate risk, set terms, and monitor performance while ensuring compliance with internal policies and regulatory guidelines.

The role also involves underwriting, debt recovery support, customer relationship management, and reporting of key credit metrics to management.

Responsibilities

• Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity
• Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms
• Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations
• Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria
• Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults
• Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts
• Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns
• Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders
• Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Job description

Role & responsibilities

• Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity
• Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms
• Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations
• Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria
• Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults
• Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts
• Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns
• Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders
• Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities