Credit Manager - Mahbubnagar

Saison International; Mahbubnagar; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Credit Saison India is seeking a Credit Manager to oversee all credit management activities at the Mahbubnagar branch, including policy development and regulatory compliance. The role requires leading a team, evaluating credit risk, and delivering portfolio performance in a dynamic NBFC environment.

The successful candidate will manage credit operations, collaborate across sales units, and present reports to senior management while staying abreast of market trends and regulatory changes

Qualifications

• Bachelor's degree in Finance, Accounting, or related field; master's or CA/CFA a plus.
• 7–10 years in credit management with 3–5 years in leadership.
• Strong knowledge of credit analysis, risk management, lending products, and regulations.
• Proven track record managing a credit portfolio.
• Excellent leadership, communication, and Excel skills.
• Fluency in English and Telugu.

Responsibilities

• Lead and manage the credit team, providing guidance and evaluations.
• Develop and monitor credit policies and strategies in line with regulations.
• Conduct thorough credit assessments and financial analyses of loan applications.
• Approve or recommend approvals within delegated authority.
• Monitor credit portfolio, address delinquencies, and implement recovery strategies.
• Collaborate with sales teams to support growth while maintaining credit health.
• Prepare regular credit reports and forecasts for senior management.
• Ensure compliance with internal policies and external regulations.
• Stay updated on market trends and regulatory changes.
• Handle customer inquiries related to credit decisions.

Skills

Credit analysis

Risk management

Lending products

Analytical thinking

Leadership

Communication

Excel

Education

Bachelor's degree in Finance/Accounting/Business Administration

Master's degree or CA/CFA (plus)

Tools

Microsoft Office Suite

Job description

Job Summary

The Credit Manager will be responsible for overseeing all aspects of credit management activities within the Mahbubnagar branch, ensuring sound lending practices, effective risk assessment, and optimal portfolio performance. This role involves managing a team, developing credit policies, and ensuring compliance with regulatory requirements.

Job Responsibilities

• Lead and manage the credit team, providing guidance, training, and performance evaluations to ensure high standards of credit assessment and customer service.
• Develop, implement, and monitor credit policies, procedures, and strategies in line with company objectives and regulatory guidelines.
• Conduct thorough credit assessments and financial analysis of loan applications, including evaluating creditworthiness, collateral, and repayment capacity for individuals and businesses.
• Approve or recommend approval of credit facilities within delegated authority limits, ensuring adherence to established credit parameters.
• Monitor and manage the credit portfolio, identifying potential risks, proactively addressing delinquencies, and implementing appropriate recovery strategies.
• Collaborate with sales and business development teams to support business growth while maintaining a healthy credit portfolio.
• Ensure compliance with all internal policies, external regulations, and legal requirements pertaining to credit operations.
• Prepare and present regular credit reports, analyses, and forecasts to senior management, highlighting key trends and recommendations.
• Stay updated on market trends, economic conditions, and regulatory changes impacting credit risk and lending practices.
• Handle customer inquiries and complaints related to credit decisions and provide effective resolutions.

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 7-10 years of progressive experience in credit management, with at least 3-5 years in a leadership or managerial role, preferably within the banking or financial services industry.
• In-depth knowledge of credit analysis, risk management principles, lending products, and financial regulations.
• Proven track record of managing a credit portfolio and achieving business objectives.
• Strong analytical, decision-making, and problem-solving skills.
• Excellent leadership, communication, and interpersonal skills.
• Proficiency in financial software and Microsoft Office Suite, especially Excel.
• Ability to work effectively under pressure and manage multiple priorities.
• Fluency in English and Telugu (both written and spoken) is essential.

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.