Credit Officer

Aye Finance; Gurugram District; On-site; INR 350,000 - 700,000; Full time

Job summary

Aye Finance in Gurugram is seeking a Credit Officer to join the Credit department. Based at the Head Office in Gurugram Sec 45, you will review borrower documents, perform credit assessment, and prepare proposals for approval or rejection.

The role requires 1+ year in credit, underwriting, or related fields, with strong analytical skills and attention to detail. You will work on unsecured business loan products and maintain accurate records.

Qualifications

• 1-6 years of experience in credit assessment, underwriting, or a related field.
• Strong understanding of credit principles, regulations, and industry practices.
• Excellent analytical skills with attention to detail and ability to work independently.

Responsibilities

• Review and verify borrower's documents such as KYC, income statements, cash flow statements, and banking records.
• Conduct credit assessment of loan applications, including financial statement analysis and collateral evaluation.
• Evaluate creditworthiness of borrowers by analyzing their financial situation, credit history, and other relevant factors.
• Prepare credit proposals summarizing findings and recommendations for approval or rejection.
• Maintain accurate records of all transactions related to loan processing.

Job description

Designation - Credit Officer

Department - Credit

Experience - 1+ Years

Location - Gurugram Sec 45 (Head Office)

Product - Unsecured Business Loan

Roles and Responsibilities

• Review and verify borrower's documents such as KYC, income statements, cash flow statements, and banking records.
• Conduct credit assessment of loan applications, including financial statement analysis and collateral evaluation.
• Evaluate creditworthiness of borrowers by analyzing their financial situation, credit history, and other relevant factors.
• Prepare credit proposals summarizing findings and recommendations for approval or rejection.
• Maintain accurate records of all transactions related to loan processing.

Desired Candidate Profile

• 1-6 years of experience in credit assessment, underwriting, or a related field.
• Strong understanding of credit principles, regulations, and industry practices.
• Excellent analytical skills with attention to detail and ability to work independently.