Credit Manager - Bhimavaram

Saison International; West Godavari; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Credit Saison India seeks a Credit Manager to oversee all credit operations at the Bhimavaram branch, driving risk controls and policy adherence. You will lead credit officers, assess loan applications, and ensure compliance with regulatory requirements.

The role emphasizes portfolio monitoring, reporting to senior management, and collaboration with sales to meet targets while preserving credit quality. Strong analytical and leadership skills are essential.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• A Master's degree or professional certification (e.g., CA, CFA) is a plus.
• Proven experience in credit management and portfolio analysis.

Responsibilities

• Manage end-to-end credit assessment and approval for retail and business loans.
• Conduct thorough financial analysis of loan applications, evaluating creditworthiness, collateral, and repayment capacity.
• Develop and implement credit policies and procedures aligned with corporate guidelines and regulatory requirements.
• Monitor and manage the credit portfolio, identify risks, and implement mitigation strategies.
• Lead and mentor a team of credit officers, providing guidance and training for high performance.
• Collaborate with sales and operations teams to achieve targets while maintaining credit quality.
• Prepare and present credit reports and analyses to senior management.
• Ensure compliance with internal and external credit regulations and audits.
• Handle customer queries related to credit decisions and processes.
• Stay updated on industry trends, economic conditions, and regulatory changes affecting credit risk.

Skills

Credit risk analysis

Team leadership

Financial analysis

Regulatory knowledge

Education

Bachelor's degree in Finance/Accounting/Business Administration

CA/CFA certification

Tools

Microsoft Office

Credit analysis tools

Job description

Job Summary

We are seeking a highly motivated and experienced Credit Manager to oversee all aspects of credit operations in our Bhimavaram branch. The successful candidate will be responsible for managing credit risk, ensuring compliance with company policies, and contributing to the overall financial health of the branch.

Job Responsibilities

• Manage the end-to-end credit assessment and approval process for various loan products, including retail and business loans.
• Conduct thorough financial analysis of loan applications, including evaluating creditworthiness, collateral, and repayment capacity.
• Develop and implement effective credit policies and procedures in line with corporate guidelines and regulatory requirements.
• Monitor and manage the credit portfolio, identifying potential risks and implementing mitigation strategies.
• Lead and mentor a team of credit officers, providing guidance and training to ensure high performance and adherence to best practices.
• Collaborate with sales and operations teams to achieve business targets while maintaining credit quality.
• Prepare and present credit reports and analyses to senior management.
• Ensure compliance with all internal and external credit-related regulations and audits.
• Handle customer queries and complaints related to credit decisions and processes.
• Stay updated on industry trends, economic conditions, and regulatory changes affecting credit risk.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CA, CFA) is a plus.
• Minimum of 5-7 years of experience in credit management, preferably within the banking or financial services sector.
• Proven experience in credit assessment, risk analysis, and portfolio management.
• Strong understanding of financial statements, accounting principles, and various lending products.
• Excellent analytical, decision‑making, and problem‑solving skills.
• Strong leadership and team management abilities.
• Excellent communication and interpersonal skills, with the ability to interact effectively with internal and external stakeholders.
• Proficiency in relevant software applications, including Microsoft Office Suite and credit analysis tools.
• Knowledge of local market dynamics and regulatory environment in Bhimavaram and surrounding areas is highly desirable.

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.