Credit Manager - Nandyal

Saison International; Nandyal; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Credit Saison India, a leading NBFC, seeks a Credit Manager in the Nandyal branch to oversee all credit activities. You will assess credit proposals, manage risk, ensure regulatory compliance, and mentor junior staff while coordinating with sales, operations, and legal teams.

The role requires 5–7 years of credit management experience, strong analytical skills, and proficiency in Excel. Fluency in Telugu and English is essential for stakeholder communication across branches.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field; MBA or CA/CFA is a plus.
• 5–7 years of progressive experience in credit management within the financial services industry, preferably NBFC.
• Strong understanding of credit analysis techniques, financial modeling, and risk assessment methodologies.
• In-depth knowledge of Indian financial regulations and lending practices.
• Proven track record of managing a significant credit portfolio with low delinquency rates.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication, negotiation, and interpersonal skills.
• Proficiency in Microsoft Office Suite, especially Excel.
• Ability to work independently and as part of a team.
• Fluency in Telugu and English is essential.

Responsibilities

• Manage the end-to-end credit assessment process for various loan products, including individual and business loans.
• Analyze financial statements, credit reports, and other relevant data to evaluate creditworthiness of applicants.
• Conduct thorough due diligence and risk assessments to identify potential credit risks and propose mitigation strategies.
• Approve, reject, or recommend credit proposals based on established credit policies and delegated authority.
• Monitor existing loan portfolios for early warning signs of default and initiate appropriate recovery actions.
• Develop and implement strategies to minimize credit losses and maintain a healthy portfolio quality.
• Ensure compliance with all internal credit policies, regulatory requirements, and lending guidelines.
• Liaise with sales, operations, and legal teams to facilitate smooth credit processing and resolution of issues.
• Prepare and present credit reports and analyses to senior management.
• Train and mentor junior credit officers and support staff.

Skills

Credit analysis

Financial modeling

Risk assessment

Regulatory knowledge

Excel proficiency

Communication

Negotiation

Teamwork

Independent work

Education

Bachelor's degree in Finance/Accounting/Business Admin

MBA or CA/CFA

Tools

Credit management software

Microsoft Office Suite

Job description

Job Summary

The Credit Manager will be responsible for overseeing and managing all credit-related activities within the Nandyal branch, ensuring sound lending practices, risk mitigation, and adherence to company policies and regulatory guidelines.

Job Responsibilities

• Manage the end-to-end credit assessment process for various loan products, including individual and business loans.
• Analyze financial statements, credit reports, and other relevant data to evaluate creditworthiness of applicants.
• Conduct thorough due diligence and risk assessments to identify potential credit risks and propose mitigation strategies.
• Approve, reject, or recommend credit proposals based on established credit policies and delegated authority.
• Monitor existing loan portfolios for early warning signs of default and initiate appropriate recovery actions.
• Develop and implement strategies to minimize credit losses and maintain a healthy portfolio quality.
• Ensure compliance with all internal credit policies, regulatory requirements, and lending guidelines.
• Liaise with sales, operations, and legal teams to facilitate smooth credit processing and resolution of issues.
• Prepare and present credit reports and analyses to senior management.
• Train and mentor junior credit officers and support staff.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., CA, CFA) is a plus.
• Minimum of 5-7 years of progressive experience in credit management within the financial services industry, preferably with experience in a Non-Banking Financial Company (NBFC).
• Strong understanding of credit analysis techniques, financial modeling, and risk assessment methodologies.
• In-depth knowledge of Indian financial regulations and lending practices.
• Proven track record of managing a significant credit portfolio with low delinquency rates.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication, negotiation, and interpersonal skills.
• Proficiency in Microsoft Office Suite, especially Excel, and experience with credit management software.
• Ability to work independently and as part of a team in a fast-paced environment.
• Fluency in Telugu and English 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.