Credit Manager - Jagital

Saison International; Jagtial; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Credit Saison India is seeking an experienced Credit Manager to oversee the credit granting process, manage risk, and optimize the credit portfolio to support business growth. The role focuses on policy development, risk evaluation, and collaboration with sales and operations.

You will lead a team of credit analysts, monitor credit accounts, and prepare reports outlining portfolio performance and risk insights.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.

Responsibilities

• Develop, implement, and maintain credit policies and procedures to comply with regulations and best practices.

Skills

Analytical skills

Leadership

Communication

Decision making

Negotiation

Education

Bachelor's degree in Finance, Accounting, or related field

Master's degree or professional certification (CBA, CCE) preferred

Tools

ERP systems

Credit management software

Job description

Job Summary

We are seeking a highly experienced and analytical Credit Manager for Jagital. This role will be responsible for overseeing the credit granting process, managing risk, and optimizing Jagital's credit portfolio to ensure healthy financial operations and support business growth.

Job Responsibilities

• Develop, implement, and maintain Jagital's credit policies and procedures, ensuring compliance with industry regulations and best practices.
• Evaluate credit applications, financial statements, and other relevant data to assess creditworthiness and make informed lending decisions.
• Establish appropriate credit limits and terms for customers, managing exposure and minimizing potential losses.
• Monitor existing credit accounts, identifying potential risks and proactively implementing strategies for mitigation.
• Collaborate with sales and operations teams to facilitate smooth customer onboarding and resolve credit-related issues.
• Manage and mentor a team of credit analysts, providing guidance and fostering professional development.
• Prepare regular reports on credit portfolio performance, highlighting key trends, risks, and opportunities for improvement.
• Initiate and oversee collection efforts for overdue accounts, collaborating with legal or external agencies when necessary.
• Stay updated on economic conditions, industry trends, and regulatory changes that may impact credit risk.
• Participate in strategic planning discussions related to financial risk management and business expansion.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Master's degree or relevant professional certification (e.g., CBA, CCE) preferred.
• Minimum of 7-10 years of progressive experience in credit management, with at least 3-5 years in a leadership or managerial role.
• Proven track record of successful credit risk assessment, portfolio management, and collections.
• Strong understanding of financial analysis, accounting principles, and credit scoring models.
• Excellent analytical, problem-solving, and decision-making skills.
• Proficient in using credit management software and enterprise resource planning (ERP) systems.
• Exceptional communication, negotiation, and interpersonal skills, with the ability to interact effectively with internal and external stakeholders.
• Demonstrated leadership abilities, with experience in team management and development.
• Ability to work effectively in a fast-paced and dynamic environment.

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.