Credit Manager - Secured Credit ( Siddipet )

Saison International; Siddipet; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Credit Saison India is seeking an experienced Credit Manager to oversee secured credit operations in Siddipet. You will manage a portfolio of secured loans, ensure credit quality, and comply with internal policies and regulatory guidelines.

The role requires strong analytical, risk assessment, and leadership skills to drive decisions, mentor staff, and collaborate with sales, legal, and recovery teams to protect assets and grow responsible lending.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 5-7 years of experience in credit management, with a strong focus on secured lending.
• Proven track record of managing a secured credit portfolio with excellent credit quality.
• Knowledge of credit appraisal, risk assessment, and collateral valuation techniques.
• Strong understanding of banking regulations and compliance related to secured lending.
• Excellent analytical, decision-making, and problem-solving skills.
• Proficiency in financial modeling and credit analysis software.
• Strong communication, negotiation, and interpersonal skills.
• Ability to work independently and as part of a team in a fast-paced environment.
• Local knowledge of the Siddipet market is desirable.

Responsibilities

• Manage and evaluate credit applications for secured loans with thorough financial analysis and collateral valuation.
• Approve, decline, or recommend proposals based on established policies and risk parameters.
• Monitor secured loan portfolios to identify risks and ensure timely repayments.
• Develop strategies for recovery of non-performing assets within the secured portfolio.
• Ensure compliance with internal policies and regulatory requirements.
• Coordinate with sales, legal, and recovery teams to facilitate operations and collections.
• Prepare and present credit reports and portfolio analyses to senior management.
• Mentor junior officers and support staff as needed.
• Stay updated on market trends and regulatory changes affecting secured lending.

Skills

Analytical skills

Decision-making

Problem-solving

Communication skills

Negotiation

Interpersonal skills

Teamwork

Independent work

Education

Bachelor's degree in Finance/Accounting/Business Administration

MBA or professional certification (a plus)

Tools

Financial modeling

Credit analysis software

Job description

Job Summary

We are seeking an experienced Credit Manager to oversee secured credit operations in Siddipet. This role involves managing a portfolio of secured loans, ensuring credit quality, and adhering to company policies and regulatory guidelines.

Job Responsibilities

• Manage and evaluate credit applications for secured loans, conducting thorough financial analysis, risk assessment, and collateral valuation.
• Approve, decline, or recommend credit proposals based on established credit policies and risk parameters.
• Monitor existing secured loan portfolios to identify potential risks, delinquencies, and ensure timely repayments.
• Develop and implement strategies for effective recovery of non-performing assets within the secured credit portfolio.
• Ensure compliance with all internal credit policies, procedures, and relevant regulatory requirements.
• Liaise with sales teams, legal teams, and recovery agents to facilitate smooth credit operations and collections.
• Prepare and present credit reports and portfolio performance analysis to senior management.
• Train and mentor junior credit officers and support staff as needed.
• Stay updated on market trends, economic conditions, and changes in lending regulations affecting secured credit.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification is a plus.
• Minimum of 5-7 years of experience in credit management, with a strong focus on secured lending, preferably within a financial institution.
• Proven track record of managing a significant secured credit portfolio with excellent credit quality.
• In-depth knowledge of credit appraisal, risk assessment, and collateral valuation techniques for various secured assets (e.g., property, vehicles, gold).
• Strong understanding of banking regulations and compliance requirements related to secured lending.
• Excellent analytical, decision-making, and problem-solving skills.
• Proficiency in financial modeling and credit analysis software.
• Strong communication, negotiation, and interpersonal skills.
• Ability to work independently and as part of a team in a fast-paced environment.
• Local knowledge of the Siddipet market and customer base 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. 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.