Credit Manager - Ramachandrapuram

Kisetsu Saison Finance (India) Private Limited; Tirupati; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Kisetsu Saison Finance (India) Private Limited is seeking a Credit Manager to oversee credit assessment and risk management for the Ramachandrapuram branch, ensuring adherence to policies and regulatory requirements.

The role includes leading a team of analysts, developing credit policies, and ensuring compliance while supporting business growth. Strong expertise in credit risk and financial analysis is essential.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• MBA or FRM/CFA certification preferred.

Responsibilities

• Oversee credit assessment and risk management processes.
• Lead and mentor a team of credit analysts; provide guidance and evaluations.
• Develop and monitor credit policies to minimize risk while enabling growth.
• Analyze loan applications via financial statements, cash flow projections, and collateral valuation.
• Assess creditworthiness and make informed loan decisions (approvals/denials/terms).
• Monitor portfolio performance and flag early warning signs; implement corrective actions.
• Prepare and present credit reports to senior management and committees.
• Ensure compliance with banking regulations, internal policies and guidelines.
• Coordinate with sales, operations and legal to smooth credit operations.
• Negotiate and structure complex credit facilities and repayment plans.
• Stay updated on industry trends, economy, and regulatory changes.

Skills

Credit analysis

Risk management

Leadership

Policy development

Regulatory compliance

Financial analysis

Lending products

Excel

Communication

Education

Bachelor's degree in Finance/Accounting/Business

MBA or FRM/CFA (preferred)

Tools

Credit risk software

Microsoft Excel

Job description

Job Summary

The Credit Manager will be responsible for overseeing the credit assessment and risk management processes for the Ramachandrapuram branch, ensuring adherence to company policies and regulatory requirements.

Job Responsibilities

• Manage and lead a team of credit analysts, providing guidance, training, and performance evaluations.
• Develop, implement, and monitor credit policies and procedures to minimize credit risk while supporting business growth.
• Conduct thorough credit analysis of loan applications, including financial statement analysis, cash flow projections, and collateral valuation.
• Assess the creditworthiness of potential and existing customers, making informed decisions on loan approvals, denials, and terms.
• Monitor portfolio performance, identify early warning signs of credit deterioration, and implement corrective actions.
• Prepare and present credit reports and recommendations to senior management and credit committees.
• Ensure compliance with all relevant banking regulations, internal policies, and credit guidelines.
• Liaise with sales, operations, and legal departments to facilitate smooth credit operations and resolve credit-related issues.
• Negotiate and structure complex credit facilities and repayment plans.
• Maintain up-to-date knowledge of industry trends, economic conditions, and regulatory changes affecting credit risk management.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., FRM, CFA) preferred.
• Minimum of 7-10 years of progressive experience in credit management, with at least 3 years in a leadership role within the banking or financial services sector.
• Strong understanding of credit principles, financial analysis, risk assessment, and lending products.
• Proven ability to analyze complex financial data and make sound credit decisions.
• Excellent leadership, team management, and interpersonal skills.
• Strong communication and presentation skills, both written and verbal.
• Proficiency in credit risk management software and Microsoft Office Suite, especially Excel.
• Thorough knowledge of regulatory requirements and compliance standards applicable to credit operations.
• Demonstrated ability to work effectively under pressure and manage multiple priorities.

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.