Credit Manager - Nandyal

Credit Saison India; Nandyala; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Credit Saison India in Nandyal seeks a seasoned Credit Manager to oversee credit activities at the branch, ensuring sound lending practices and regulatory compliance. You will manage end-to-end credit assessment, analyze financials, approve proposals, monitor portfolios, and mentor staff.

The candidate should have 5–7 years of credit management experience in financial services, with strong analytical and negotiation skills, and fluency in English and Telugu.

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 credit management experience in financial services, NBFC preferred.
• Strong credit analysis, financial modeling, and risk assessment skills.
• Knowledge of Indian financial regulations and lending practices.
• Proven track record in managing a large credit portfolio with low delinquency.
• Excellent communication, negotiation, and interpersonal skills.
• Proficiency in Excel and credit management software.

Responsibilities

• Manage end-to-end credit assessment for loan products.
• Analyze financial statements and credit reports to judge creditworthiness.
• Conduct due diligence and risk assessments; propose mitigations.
• Approve, reject, or recommend proposals per policy.
• Monitor loan portfolios for early default signs and take recovery actions.
• Develop strategies to minimize losses and maintain portfolio quality.
• Ensure compliance with internal policies and regulatory guidelines.
• Liaise with sales, operations, and legal for smooth processing.
• Prepare and present credit reports to senior management.
• Train and mentor junior credit officers and staff.

Skills

Credit analysis

Financial modeling

Regulatory knowledge

Communication skills

Negotiation

Excel proficiency

Education

Bachelor’s degree in Finance/Accounting/Business Administration

MBA or CA/CFA certification (plus)

Tools

Credit management software

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.