Credit Manager

UGRO Capital Limited; Thoothukudi; On-site; INR 800,000 - 1,200,000; Full time

Job summary

UGRO Capital Limited in Tamil Nadu is seeking a Credit Manager with 3-5 years of experience in secured loan products (HL/LAP). You will underwrite proposals and assess borrower creditworthiness in line with internal policies.

You will complete credit and KYC documentation, coordinate with sales to achieve targets and ensure timely processing (TAT/SLAs), and conduct field and telephonic verifications. The role requires adherence to credit policy, oversight of branch portfolio quality, and

Qualifications

• Minimum 3-5 years of experience in Secured loan products (HL/ LAP).
• Underwrite secured proposals per policies to meet SLAs and volume.
• Conduct customer discussions to establish credit worthiness.
• Ensure completion of credit/KYC documents and verifications (telephonic, field).
• Coordinate with sales to achieve targets and meet TAT/SLAs.
• Ensure credit policy adherence to the standards.
• Responsible for branch portfolio quality and collections buckets.
• Conduct regular training sessions for policy updates.
• Hands on experience in Legal and technical assessment.
• Empanel local vendors for legal and Technical support.

Responsibilities

• Underwrite secured loan proposals per policy and SLAs.
• Discuss credit with customers to assess risk and repayment capacity.
• Ensure accurate credit/KYC docs and verifications.
• Coordinate with sales to achieve targets and TATs.
• Adhere to credit policy and maintain portfolio quality.
• Assist in legal/technical assessments and vendor empanelment.

Skills

Credit underwriting

Customer interview

KYC verification

Policy compliance

Vendor coordination

Field visits

Education

Graduate/Postgraduate

Job description

Role

Credit Manager

Educational Qualifications

Graduate/Postgraduate

Experience Requirement

Minimum of 3-5 years of experience in Secured loan products (HL/ LAP).

Responsibilities

• The incumbent will be responsible for underwriting secured proposals for loan customers as per the laid down policies procedure to honour the agreed SLAs and manage area business volumes.
• To conduct personal discussion with customers to establish Credit worthiness.
• The incumbent will ensure completion of credit/KYC documents and verification- telephonic, field collateral visits.
• To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
• To ensure credit policy adherence to the accepted standards.
• Responsible for the branch portfolio quality and ensure collections buckets.
• Conduct regular training sessions for policy updates.
• Hands on experience in Legal and technical assessment.
• Empanel local vendors for legal and Technical support from in and around area.

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