Credit Manager ( AP & TS

Credit Saison India; Kurnool; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Credit Saison India invites experienced Credit risk professionals to join our lending team in India. You will perform credit appraisal within policy guidelines, take decisions or escalate, monitor delinquencies, and coordinate with Business, Tech, Product and Operations to provide innovative credit products while protecting portfolio quality and adhering to TAT.

The role requires 4+ years in credit, strong communication and digital orientation, with graduation or higher.

Qualifications

• 4+ years of experience in credit risk.
• Graduation or post-graduation in any field.
• Strong communication and digital orientation.

Responsibilities

• Credit appraisal of loan applications within policy guidelines.
• Decide or recommend approvals to higher authorities.
• Ensure due diligence in credit analysis, screening, underwriting and sanctioning.
• Interact with customers and co-lending partners to monitor delinquencies.
• Collaborate with Business, Tech, Product and Operations on innovative products.
• Work with analytics to calibrate credit policies in real time.
• Deliver quality portfolio within defined TAT and assist collections when needed.
• Promote teamwork and ownership across product/partnership portfolios.
• Monthly analysis of customer base, industry profile, ticket size and tenure.
• Monitor market developments and share learnings with the team.

Skills

Credit risk

Credit analysis

Communication skills

Digital orientation

Education

Graduation / Post-graduation

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

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