Credit Manager ( AP & TS

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

Job summary

Credit Saison India is seeking a seasoned Credit Manager-LAP to manage credit appraisal and portfolio quality for Small Ticket LAP loans. You will assess loan applications, perform risk-based decisions, and collaborate with cross-functional teams to enable innovative lending solutions.

4+ years in credit, strong communication, and digital orientation are essential. A graduation or higher degree is required, with experience in secured LAP products preferred.

Qualifications

• 4+ years of credit experience with strong communication and digital orientation.
• Graduation or post-graduation in any field.
• Experience handling secured LAP products (Small Ticket LAP) is preferred.

Responsibilities

• Perform credit appraisal and risk-based assessment of loan applications.
• Make decisions or recommendations for approval to higher authorities.
• Ensure due diligence in credit analysis and underwriting.
• Interact with customers and partners to monitor delinquencies and early warning signals.
• Collaborate with Business, Tech, Product and Operations teams to support innovative lending products.
• Work with data analytics teams for real-time calibration of credit policies.
• Monitor portfolio quality and support collections when required.

Skills

Credit analysis

Communication skills

Digital orientation

Education

Graduation/Post-graduation

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