Credit Manager - Rajam

Saison International; India; On-site; INR 1,500,000 - 2,700,000; Full time

Job summary

The Credit Manager - Rajam will oversee the entire credit granting process, ensuring timely assessment, risk mitigation, and collection strategies to sustain the company's financial health in the Rajam region.

At Credit Saison India, you will develop policies, analyze client creditworthiness, manage the credit portfolio, and lead a team of analysts, collaborating with sales, finance, and legal to ensure compliant, effective credit operations.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field; Masters or CPA/CFA a plus.
• 7–10 years in credit management with 3–5 years in leadership.
• Strong financial statement analysis and risk assessment skills.
• Proven track record managing a credit portfolio and hitting collection targets.
• Excellent communication, negotiation, and team leadership abilities.
• Proficiency with credit software and Excel.

Responsibilities

• Develop and implement credit policies and procedures aligned with objectives and regulations.
• Conduct financial analysis of potential and existing clients to assess creditworthiness and limits.
• Manage and monitor the credit portfolio, identifying risks and mitigation strategies.
• Oversee collection efforts, develop payment plans, and manage overdue accounts.
• Collaborate with sales, finance, and legal to ensure smooth credit operations.
• Prepare and present credit reports to senior management, highlighting trends and risks.
• Ensure compliance with credit laws and internal policies.
• Lead and mentor a team of credit analysts and officers.
• Stay updated on industry best practices and economic conditions.

Skills

Leadership

Credit analysis

Financial statements

Negotiation

Excel

Education

Bachelor's degree in Finance/Accounting

Master's degree or CPA/CFA

Tools

Credit management software

Job description

The Credit Manager - Rajam will be responsible for overseeing all aspects of the credit granting process, ensuring efficient credit assessment, risk mitigation, and timely collection strategies to support the company's financial health and growth in the Rajam region.

Job Responsibilities

• Develop and implement credit policies and procedures in line with company objectives and regulatory requirements.
• Conduct thorough financial analysis of potential and existing clients to assess creditworthiness and determine appropriate credit limits.
• Manage and monitor the credit portfolio, identifying potential risks and implementing proactive mitigation strategies.
• Oversee and optimize collection efforts, including developing and implementing collection strategies, negotiating payment plans, and managing overdue accounts.
• Collaborate with sales, finance, and legal departments to ensure smooth credit operations and resolve complex credit-related issues.
• Prepare and present credit reports and analysis to senior management, highlighting key trends, risks, and performance metrics.
• Ensure compliance with all relevant credit laws, regulations, and internal policies.
• Lead and mentor a team of credit analysts and officers, fostering their professional development.
• Stay updated on industry best practices and economic conditions impacting credit risk.
• Handle customer inquiries and disputes related to credit and collections in a professional manner.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CPA, CFA) is a plus.
• Minimum of 7-10 years of progressive experience in credit management, with at least 3-5 years in a leadership role.
• Strong understanding of financial statements, credit analysis techniques, and risk assessment methodologies.
• Proven track record of managing a credit portfolio and achieving collection targets.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication, negotiation, and interpersonal skills.
• Proficiency in credit management software and Microsoft Office Suite (especially Excel).
• Ability to work independently and as part of a team in a fast-paced environment.
• In-depth knowledge of local credit laws and regulations specific to the Rajam region is highly desirable.

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.