Credit Manager ( AP & TS

Credit Saison India; Kakinada; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Credit Saison India in India is seeking a Credit Manager-LAP to lead credit appraisal and policy-compliant loan decisions. You will engage customers and co-lending partners, drive due diligence, and ensure timely underwriting within defined guidelines.

The role requires 4+ years in credit with strong communication and digital orientation, and experience with secured Small Ticket LAP products. Opportunity to grow with a fast‑growing NBFC and influence policy with analytics.

Qualifications

• 4+ years of experience in credit with good communication and digital orientation.
• Graduation or post-graduation in any field.
• Experience handling secured products (Small Ticket LAP).
• Ability to assess loan applications within policy guidelines and interact with co-lending partners.

Responsibilities

• Perform credit assessment within the defined risk philosophy and policy guidelines.
• Conduct credit appraisal and, where appropriate, recommend approvals to higher authorities.
• Ensure due diligence in credit analysis, customer screening, evaluation, underwriting and sanctioning of loans.
• Interact with customers and co-lending partners to monitor delinquencies and triggers.
• Collaborate with Business, Tech, Product and Operations teams to offer innovative products.
• Work with data analytics to calibrate credit policies in real time.
• Support collections when required and promote teamwork across the unit.
• Monitor a complete product portfolio across different partnerships and market developments.

Skills

Credit appraisal

Risk analysis

Customer interaction

Digital orientation

Stakeholder coordination

Education

Graduation / Post-graduation in any field

Job description

Credit Manager-LAP-JD

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
• 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

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