Credit Manager – Education Loan Sector

DigitalCube Consultancy; Delhi; On-site; INR 600,000 - 1,000,000; Full time

Job summary

A financial consulting firm is seeking a Credit Manager in Delhi to conduct analysis of education loan applications and assess creditworthiness. The ideal candidate has a Master’s degree in Commerce or Finance and 1-4 years of experience in credit underwriting. Key responsibilities include preparing credit reports, ensuring compliance with regulations, and collaborating with internal teams to improve processes.

Qualifications

• 1-4 years of experience in credit underwriting, preferably in the education loan sector.
• Strong organizational and time-management skills.
• Effective communication and interpersonal skills.

Responsibilities

• Conduct in-depth analysis of education loan applications.
• Assess creditworthiness based on established criteria.
• Prepare detailed credit reports and recommendations.
• Ensure compliance with all relevant regulations.
• Utilize data analysis tools to identify trends.

Skills

Strong analytical skills

Problem-solving skills

Attention to detail

Organizational skills

Communication skills

Education

Master’s degree in Commerce or Finance

Tools

Financial analysis tools

Job description

Designation: Credit Manager

Location: Saket Delhi

Experience: 1 to 4 years

Key Responsibilities

• Conduct in-depth analysis of education loan applications, including academic records, financial documents, and credit reports.
• Assess creditworthiness based on established criteria and risk parameters.
• Prepare detailed credit reports and recommendations.
• Stay updated on company lending policies, procedures, and regulatory guidelines.
• Ensure compliance with all relevant regulations and industry best practices.
• Utilize data analysis tools to identify trends and patterns in credit risk.
• Prepare accurate and timely reports on credit performance and risk metrics.
• Continuously evaluate and improve credit processes to enhance efficiency and accuracy.
• Identify opportunities for automation and streamlining workflows.
• Collaborate with internal teams (sales, operations, etc.) to ensure smooth processing of loan applications.
• Maintain effective communication with applicants and other stakeholders.

Required Skills and Experience

• Master’s degree in Commerce, Finance, or a related field.
• 1‑4 years of experience in credit underwriting, preferably in the education loan sector.
• Knowledge of financial analysis tools and techniques.
• Strong analytical and problem‑solving skills.
• Excellent attention to detail and accuracy.
• Strong organizational and time‑management skills.
• Effective communication and interpersonal skills.
• Ability to work independently and as part of a team.