Credit Manager - Rajam

Kisetsu Saison Finance (India) Private Limited; Vizianagaram; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

Credit Saison India seeks an experienced Credit Manager for Rajam to oversee credit policies, risk assessment, and collection strategies. You will analyze client finances to set credit limits, monitor portfolios, and lead a team of analysts.

The role requires strong analytical and leadership skills, with a deep knowledge of local credit regulations. A collaborative, data-driven approach will support the company’s financial health and growth in Rajam.

Qualifications

• Bachelor's degree in Finance, Accounting, or Business Administration.
• 7–10 years in credit management; 3–5 years in leadership.
• Strong understanding of financial statements, credit analysis, and risk assessment.

Responsibilities

• Develop and implement credit policies aligned with objectives and regulatory requirements.
• Analyze financials of clients to assess creditworthiness and determine limits.
• Manage credit portfolio and mitigate risks with proactive strategies.
• Oversee collections, negotiate payment plans, and manage overdue accounts.
• Prepare credit reports for senior management with key metrics.
• Lead and mentor a team of credit analysts and officers.
• Ensure compliance with credit laws and internal policies.

Skills

Credit analysis

Financial analysis

Risk assessment

Leadership

Negotiation

Communication

Excel

Credit management software

Education

Bachelor's degree in Finance/Accounting/Business Administration

Master's degree or CPA/CFA (plus)

Tools

Credit management software

Microsoft Office Suite

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.