Credit Manager - Nandyal

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

Job summary

The Credit Saison India in Nandyal, Andhra Pradesh, invites applications for a Credit Manager who will oversee credit activities at the branch. You will manage end-to-end credit assessment, ensure risk mitigation, and adherence to company policies.

The ideal candidate has 5-7 years in credit management in financial services/NBFC, a degree in finance or related fields, and fluency in Telugu and English. Strong analytical and communication skills are essential.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field required; MBA/CA/CFA a plus.
• 5-7 years of progressive credit management experience in financial services/NBFC.
• Strong understanding of credit analysis techniques, financial modeling, and risk assessment.
• In-depth knowledge of Indian financial regulations and lending practices.
• Proven track record of managing a significant credit portfolio with low delinquency.
• Excellent analytical, problem-solving and decision-making skills.
• Strong communication, negotiation, and interpersonal skills.
• Fluency in Telugu and English is essential.

Responsibilities

• Manage end-to-end credit assessment process for various loan products (individual and business loans).
• Analyze financial statements, credit reports, and data to evaluate creditworthiness.
• Conduct thorough due diligence and risk assessments to identify credit risks and mitigation strategies.
• Approve, reject, or recommend credit proposals based on policy and delegated authority.
• Monitor existing loan portfolios for early warning signs of default and initiate recovery actions.
• Develop and implement strategies to minimize credit losses and maintain portfolio quality.
• Ensure compliance with internal policies, regulatory requirements, and lending guidelines.
• Liaise with sales, operations, and legal teams to facilitate smooth credit processing and issue resolution.
• 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

Communication

Negotiation

Interpersonal skills

Education

Bachelor's degree in Finance/Accounting/Business Administration

MBA or CA/CFA (plus)

Tools

Excel

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.