Credit Manager ( AP & TS

Saison International; India; On-site; INR 1,500,000 - 2,200,000; Full time

Job summary

Credit Saison India is seeking a seasoned credit professional to perform risk-based assessment and loan appraisal. You will work within defined policies, screen applications, and collaborate with partners to manage delinquencies and monitor credit portfolios.

The role emphasizes data-driven policy calibration and cross-functional coordination with Business Development, Tech, Product, and Operations to drive innovative credit solutions.

Qualifications

• 4+ years of experience in Credit with good communication skills and digital orientation.
• Graduation or post-graduation in any field.
• Experience handling secured products (Small Ticket LAP) is a plus.

Responsibilities

• Perform credit assessment within the defined risk philosophy and policies.
• Credit appraisal of loan applications and decisions or recommendations to higher authorities.
• Ensure due diligence in credit analysis, customer screening, underwriting and sanctioning of loans.
• Interact with customers and co-lending partners to monitor delinquencies and triggers.
• Collaborate with Business Development, Tech, Product and Operations to offer innovative products.
• Work with data analytics team for real-time calibration of credit policies.
• Deliver quality portfolio within defined TAT and support collections when required.
• Promote team collaboration and ownership of product portfolios.

Skills

Credit analysis

Communication skills

Digital orientation

Education

Graduation/Post-graduation

Tools

MS Excel

Job description

About Credit Saison:

Established in 2019, 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. CS 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, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS 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. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. 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. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in

Job Description

• Performing assessment duties within the defined risk philosophy of the company
• Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities
• Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans
• Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers
• Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products
• Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies
• Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required
• Promoting the culture of team work within the team
• Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with

Monthly analysis of parameters like

• customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms
• Keep a close eye on market and economic developments relevant for our business and share the learnings within the team
• Active participation in special projects that may be assigned from time to

Eligibility Criteria

1. Candidates should have 4+ years of experience in Credit with good communication skills and digital orientation
2. Qualification : graduation/ post-graduation in any field
3. Experience of handling secured products (Small Ticket LAP) will be an

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. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. 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.