Credit Manager - West

Credit Saison India; Jalgaon; On-site; INR 800,000 - 1,100,000; Full time

Job summary

Credit Saison India seeks a Credit Manager-LAP to assess loans within a defined risk framework. You will appraise loan applications, ensure due diligence, and sanction or recommend decisions while coordinating with customers and co-lending partners.

You will work with analytics to calibrate policies, monitor delinquencies, and drive portfolio quality. This role requires strong communication, teamwork and market awareness in a dynamic NBFC environment.

Qualifications

• 4+ years of experience in credit with good communication skills.
• Graduation or post-graduation in any field.
• Experience handling secured products (Small Ticket LAP) will be an advantage.

Responsibilities

• Perform assessment duties within the defined risk philosophy of the company.
• Credit appraisal of loan applications within policy guidelines and decision or recommend for approval to higher authorities.
• Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans.
• Interact with customers and co-lending partners to monitor delinquencies and early warning triggers.
• Collaborate with Business Development, Tech, Product and Operations & Support to offer innovative products.
• Work with data analytics to calibrate credit policies in real time.
• Deliver quality portfolio within defined TAT and support for collection activities when required.
• Promote teamwork within the team.
• Monitor and own product portfolio across different products/partnerships; perform monthly analyses.
• Keep eye on market and economic developments relevant to business.
• Participate in special projects as assigned.

Skills

Credit appraisal

Underwriting

Stakeholder communication

Risk assessment

Education

Graduation/Post-graduation

Job description

Credit Manager-LAP-JD 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

Job Description

• 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

Eligibility Criteria

1. Candidates should have 4+ years of experience in Credit with good communication skills and digital orientation.
2. Qualification : graduation/ post-graduation in any field
3. Experience of handling secured products (Small Ticket LAP) will be an