Credit Manager – Credit Appraisal – NBFC BinaryStar SearchX

The Corporate Institute; India; Remote; INR 900.000 - 1.500.000; Vollzeit

Zusammenfassung

The Corporate Institute invites a Credit Manager to join our NBFC division, acting as gatekeeper for the lending portfolio and balancing growth with asset quality. You will evaluate proposals end-to-end, conduct deep financial analysis, and make underwriting decisions in close collaboration with sales, operations, and risk teams.

Based in India with on-site work across multiple regional offices, you will assign internal credit ratings, perform due diligence, monitor portfolio health, and help

Qualifikationen

• 2–5 years of NBFC experience.
• Strong financial statement analysis and credit underwriting.
• Ability to produce clear credit memos for senior management.
• Excellent communication and stakeholder management.
• Knowledge of NBFC regulatory landscape in India.

Aufgaben

• Evaluate complex credit proposals by performing rigorous credit appraisal to ensure alignment with internal lending policies and regulatory standards.
• Conduct thorough credit analysis of financial statements, cash flows, and market trends to assess borrower repayment capacity.
• Execute due diligence on prospective clients, including site visits and collateral verification.
• Assign internal credit ratings to loan applications based on quantitative and qualitative risk parameters.
• Collaborate with the sales team to structure customized credit solutions meeting client requirements while maintaining risk-reward balance.
• Monitor portfolio performance to identify early warning signals and manage delinquencies.

Kenntnisse

NBFC experience

Financial analysis

Credit underwriting

Analytical thinking

Interpersonal skills

Communication skills

Regulatory knowledge

Ausbildung

Finance degree

Accounting degree

Jobbeschreibung

Role Overview

As a Credit Manager within our NBFC division, you will serve as a critical gatekeeper for our lending portfolio, ensuring that our risk appetite aligns with our aggressive growth targets. You will be responsible for the end-to-end evaluation of credit proposals, conducting deep-dive financial analysis, and making informed underwriting decisions that balance profitability with asset quality. Working closely with the sales, operations, and risk management teams, you will act as a bridge between business development and portfolio health. Your expertise will directly influence the company’s bottom line by minimizing non-performing assets and ensuring that our credit decisions are both compliant and commercially sound, ultimately fostering long-term trust with our diverse client base across.

Job Location

Chandigarh/Mumbai/Chennai/Delhi/Hyderabad/Ahmedabad/Pune

Key Responsibilities

• Evaluate complex credit proposals by performing rigorous credit appraisal to ensure alignment with internal lending policies and regulatory standards.
• Conduct comprehensive credit analysis of financial statements, cash flows, and market trends to provide an accurate assessment of borrower repayment capacity.
• Execute thorough due diligence on prospective clients, including site visits and verification of collateral, to mitigate operational and fraud risks.
• Assign internal credit ratings to loan applications based on quantitative and qualitative risk parameters to facilitate data-driven decision-making.
• Collaborate with the sales team to structure customized credit solutions that meet client requirements while maintaining a healthy risk-reward profile for the organization.
• Monitor the performance of the assigned portfolio to identify early warning signals and proactively manage potential delinquencies.

Required Skillset

• Need 2 – 5 Years experience in NBFC.
• Demonstrated proficiency in financial statement analysis and credit underwriting, with a sharp eye for identifying inconsistencies in financial data.
• Strong analytical mindset with the ability to synthesize complex information into clear, actionable credit memos for senior management.
• Excellent interpersonal and communication skills, enabling you to negotiate effectively with internal stakeholders and maintain professional relationships with clients.
• Ability to thrive in a fast-paced environment, managing multiple loan applications simultaneously without compromising on the quality of due diligence.
• A degree in Finance, Accounting, or a related field, complemented by a solid understanding of the NBFC regulatory landscape in India.
• High degree of adaptability to work in a dynamic, on-site environment across our regional offices, ensuring consistent credit standards are upheld across all locations.