Credit Manager - Ananthapur

Kisetsu Saison Finance (India) Private Limited; Anantapuram; On-site; INR 1,400,000 - 2,000,000; Full time

Job summary

Credit Saison India is seeking an experienced professional to manage the credit portfolio for the Ananthapur region, overseeing risk assessment, policy compliance, and timely recovery to support growth. You will lead the local credit team, evaluate applications, approve decisions within risk parameters, monitor accounts, and maintain strong client relationships to optimize performance.

The role requires a finance background with 7–10 years in credit management, fluency in English and Telugu, and

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field; MBA or FRM/CFA preferred.
• 7–10 years of experience in credit management.
• Experience leading a credit team.
• Strong analytical skills to assess credit risk.
• Excellent communication and negotiation skills.
• Knowledge of credit policies, regulatory compliance.
• Proficiency in financial software and MS Office.
• Fluency in English and Telugu preferred.

Responsibilities

• Lead and manage the credit team in Ananthapur, oversee performance and development.
• Evaluate credit applications, perform financial analysis, and assess creditworthiness.
• Approve or reject loan applications per policies and risk parameters.
• Monitor existing credit accounts, identify risks, implement corrective actions.
• Develop relationships with clients to support credit management and recovery.
• Ensure compliance with internal policies and regulatory lending guidelines.
• Prepare and present credit reports and portfolio analyses to senior management.
• Implement strategies to minimize NPAs and maximize recovery.
• Stay updated on market trends and economic conditions affecting credit risk.

Skills

Credit management

Team leadership

Financial analysis

Credit risk assessment

Communication skills

Regulatory compliance

MS Office proficiency

Telugu language

Education

Bachelor's degree in Finance/Business/Economics

MBA or FRM/CFA preferred

Tools

Microsoft Office

Financial software

Job description

Job Summary

Responsible for managing the credit portfolio for the Ananthapur region, ensuring efficient credit assessment, risk management, and timely recovery, thereby contributing to the company's financial health and growth.

Job Responsibilities

• Lead and manage the credit team in Ananthapur, overseeing their performance and development.
• Evaluate credit applications, conduct thorough financial analysis, and assess creditworthiness of clients.
• Approve or reject loan applications based on established credit policies and risk parameters.
• Monitor existing credit accounts, identify potential risks, and implement corrective actions.
• Develop and maintain strong relationships with clients to facilitate effective credit management and recovery processes.
• Ensure compliance with all internal credit policies, regulatory requirements, and lending guidelines.
• Prepare and present credit reports and portfolio performance analyses to senior management.
• Implement strategies for minimizing non-performing assets and maximizing recovery rates.
• Stay updated on market trends, economic conditions, and competitive landscape affecting credit risk.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field. MBA or relevant professional certification (e.g., FRM, CFA) preferred.
• Minimum of 7-10 years of experience in credit management, preferably within a financial institution or similar industry.
• Proven experience in leading and managing a credit team.
• Strong analytical skills with the ability to interpret financial statements and assess credit risk.
• Excellent communication, negotiation, and interpersonal skills.
• Thorough understanding of credit policies, procedures, and regulatory compliance.
• Demonstrated ability to make sound credit decisions and manage risk effectively.
• Proficiency in financial software and Microsoft Office Suite.
• Fluency in English and Telugu is highly desirable.

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country.

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.