Credit Manager (Personal Loan)

Aryaman Finance (india) Limited; New Delhi; On-site; INR 500,000 - 800,000; Full time

Job summary

Aryaman Finance (india) Limited is seeking a professional to manage end-to-end digital Personal Loan credit processes and coordinate with cross-functional teams to ensure timely decisions. You will review applications, verify KYC and income, and analyze credit data to support loan approvals.

The role requires close monitoring of disbursements, payments, and portfolio performance, while upholding RBI guidelines and internal credit policies.

Responsibilities

• Manage end-to-end digital Personal Loan credit processes.
• Review customer applications, KYC, income, and credit documents.
• Analyze credit bureau, banking & repayment data for loan decisions.
• Monitor digital disbursement, payments, and portfolio performance.
• Coordinate with Sales, Operations, Risk, and Collections teams.
• Ensure compliance with company credit policies and RBI guidelines.
• Track TAT, approval rates, rejection rates, and portfolio quality.

Job description

Key Responsibilities

• Manage end-to-end digital Personal Loan credit processes.
• Review customer applications, KYC, income, and credit documents.
• Analyze credit bureau, banking & repayment data for loan decisions.
• Monitor digital disbursement, payments, and portfolio performance.
• Coordinate with Sales, Operations, Risk, and Collections teams.
• Ensure compliance with company credit policies and RBI guidelines.
• Track TAT, approval rates, rejection rates, and portfolio quality.