Credit Manager - Secured Direct - Yawatmal

Creditsaison; Pune District; On-site; INR 600,000 - 900,000; Full time

Job summary

A leading financial services provider in Pune, India, seeks candidates for a role involving credit assessment and appraisal. Responsibilities include credit analysis, customer interactions, and collaboration with business teams to ensure innovative product offerings. Ideal candidates should have a strong focus on due diligence and risk management, and a commitment to teamwork. The role promises opportunities for professional growth in a dynamic environment.

Qualifications

• Experience in credit risk assessment and lending processes.
• Strong understanding of credit policies and underwriting standards.
• Ability to work with cross-functional teams to enhance portfolio quality.

Responsibilities

• Perform assessment duties within defined risk philosophy.
• Credit appraisal of loan applications within policy guidelines.
• Ensure due diligence in credit analysis and underwriting.
• Interact with customers and partners to monitor delinquencies.
• Collaborate with teams on innovative products.
• Contribute to calibration of credit policies with data analytics.
• Deliver quality portfolio within defined TAT.
• Promote teamwork culture within the team.
• Monitor complete product portfolio parameters.
• Share market developments relevant to business.
• Participate in special projects for continuous improvement.

Skills

Credit analysis

Risk assessment

Credit appraisal

Customer interaction

Data analytics

Portfolio monitoring

Policy compliance

Job description

About Credit Saison:

Established in 2019, 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. CS 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, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS 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. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

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.

More about us on https://www.creditsaison.in

Roles and Responsibilities:

• Performing assessment duties within the defined risk philosophy of the company
• Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities
• Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans
• Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers
• Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products
• Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies
• Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required
• Promoting the culture of team work within the team
• Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms
• Keep a close eye on market and economic developments relevant for our business and share the learnings within the team
• Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process