Credit Manager - B2B

Alt Nrg; New Delhi; In loco; INR 1.200.000 - 1.800.000; Tempo pieno

Descrizione del lavoro

Alt Mobility is seeking a Credit Manager B2B Leasing to own credit evaluation and portfolio quality for institutional lessees in the Delhi NCR region. You will assess cash flows, review financial documents, and ensure adherence to credit policies while coordinating with cross-functional teams.

Ideal candidates have 5–8 years of experience in credit underwriting, SME-focused, with strong Excel skills and familiarity with GST/bureau data.

Competenze

• 5 to 8 years of experience in credit underwriting within NBFCs, banks, leasing, or asset finance.
• Strong SME / mid-market underwriting experience.
• Experience with fleet operators, logistics, or asset-backed lending is a plus.
• Hands-on with GST returns, bank statements, bureau reports, and financial statements.
• Advanced Excel and credit documentation proficiency.

Mansioni

• Own the credit evaluation and portfolio quality for B2B institutional lessees.
• Assess repayment capacity by analysing cash flows against lease rentals.
• Review audited/provisional financials, ITRs, GST, bank statements, and other documents.
• Validate information across GST filings, bank credits, and financial statements.
• Present credit recommendations to Credit Committee and monitor portfolio health.
• Collaborate with Business Development, Legal, Collections, and Asset Management teams.

Conoscenze

Advanced Excel

Credit underwriting

Financial analysis

Formazione

CA / MBA (Finance) / CFA preferred

Strumenti

Perfios

FinBox

Descrizione del lavoro

Role: Credit Manager B2B Leasing
Company: Alt Mobility (ALT NRG Private Limited)
Location: Delhi NCR – Okhla
Experience: 5 to 8 years

About the Company

Alt Mobility operates a vertically integrated electric vehicle financing, manufacturing and asset management platform designed to optimize performance, mitigate risk and generate sustainable returns across the EV value chain. Through Grevol's battery and vehicle manufacturing capabilities combined with Alt's financing, lifecycle management and proprietary software, the Group has created a differentiated business model across manufacturing, finance, operations and data.

What you’ll do

Own the credit evaluation and portfolio quality for B2B institutional lessees—using financial analysis, business assessment, credit policy, and risk evaluation to support sound leasing decisions.

• Evaluate B2B customers: Conduct end-to-end credit assessment of corporates, SMEs, fleet operators, and customers with limited financial history
• Assess repayment capacity: Evaluate cash flows against proposed lease rentals and assess the customer's ability to service obligations
• Analyse financials: Review audited/provisional financials, ITRs, GST returns, bank statements, and other financial documents
• Validate financial information: Reconcile revenue across GST filings, bank credits, and financial statements and identify inconsistencies or unusual transactions
• Assess bureau & business risk: Review CIBIL Commercial, CRIF, Experian, CMR rank, DPD history, existing obligations, MCA records, charges, promoter background, and litigation
• Evaluate business model risk: Assess customer concentration, anchor-client dependency, contract tenure, fleet utilisation, and other operational risks
• Drive credit policy adherence: Apply credit policies, exposure limits, security requirements, and approval matrices consistently
• Recommend risk mitigants: Recommend security deposits, advance rentals, PDCs/NACH, guarantees, escrow arrangements, and tri-party payment structures where required
• Prepare credit recommendations: Develop structured credit appraisal notes covering business overview, financial analysis, key risks, mitigants, and recommendation
• Support approval decisions: Present proposals to the Credit Committee / approving authority and respond to credit-related queries
• Monitor the portfolio: Track repayment behaviour and early-warning indicators such as payment delays, loss of anchor contracts, increased leverage, or adverse developments
• Work cross-functionally: Coordinate with Business Development, Legal, Collections, and Asset Management teams throughout the customer lifecycle
• Continuously improve: Provide inputs to strengthen credit policies and risk assessment based on portfolio learnings

What we’re looking for

• 5 to 8 years of experience in credit underwriting, preferably in an NBFC, bank, leasing company, equipment/vehicle finance, or commercial vehicle finance
• Strong experience in SME / mid-market credit underwriting
• Experience with fleet operators, logistics companies, commercial vehicles, or asset-backed lending is a strong advantage
• Hands-on experience in analysing GST returns, bank statements, bureau reports, and financial statements
• Strong understanding of cash-flow-based credit assessment and financial analysis
• Ability to make sound credit judgements where financial information is incomplete or inconsistent
• Strong credit writing and documentation skills
• Working knowledge of NACH, PDCs, guarantees, escrow, hypothecation, and other security instruments
• Advanced Excel skills
• Familiarity with bank statement analysis tools such as Perfios or FinBox is a plus
• CA / MBA (Finance) / CFA preferred

Why this role

• High ownership of B2B credit decisions and portfolio quality
• Opportunity to work at the intersection of EV financing, credit, risk, and asset management
• Exposure to diverse B2B customers, fleet operators, and emerging EV businesses
• Opportunity to build and improve credit frameworks in a fast-growing EV platform
• Cross-functional role with direct exposure to Business, Finance, Legal, Collec