Credit Officer/ Manager

Setia Auto Finance; Jaipur; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Setia Auto Finance is seeking a credit underwriting professional to analyze financial data, CIBIL reports, and cash flows to assess risk. You will manage co-lending cases with external lenders and ensure timely approvals and disbursements in line with policy.

The role requires strong Excel and stakeholder management, with experience in NBFC/banking lending. MBA freshers may apply, and collaboration with Sales, Risk, Legal, and Collections is essential.

Qualifications

• 2+ years of experience in Credit Appraisal/Underwriting and Risk Assessment.
• Experience in NBFC/Banking with exposure to co-lending.
• Strong MS Excel and data analysis skills.
• MBA freshers may apply.

Responsibilities

• Analyze financial statements, banking data, CIBIL reports, cash flows, and repayment capacity to assess creditworthiness.
• Manage co-lending cases and coordinate with external co-lenders/banks/NBFCs for approvals, queries and TAT.
• Ensure loan disbursement as per business plans, credit policies and approved terms.
• Take informed decisions on loan approvals, rejections, deviations and risk mitigants.
• Ensure RBI/regulatory compliance and adherence to internal credit processes.
• Monitor loan portfolio, repayments and early warning signals to control delinquencies.
• Maintain accurate credit records, MIS, portfolio reports and TAT trackers.
• Review and recommend changes in credit policies based on portfolio performance and market conditions.
• Coordinate with Sales, Operations, Risk, Legal and Collections teams for smooth operations.
• Strong MS Excel, analytical, communication, negotiation and stakeholder management skills.
• Experience in NBFC/Bank/Fintech lending and co-lending preferred.

Skills

Credit underwriting

Risk assessment

Co-lending coordination

MS Excel

Stakeholder management

Education

MBA

Tools

MS Excel

Job description

Key Responsibilities:

• 2+ years of relevant experience in Credit Appraisal/ Underwriting and Risk Assessment, preferably in NBFC/ Banking, with exposure to Co-Lending.


• Analyze financial statements, banking data, CIBIL reports, cash flows, and repayment capacity to assess creditworthiness.


• Manage co-lending cases and coordinate with external co-lenders/banks/NBFCs for approvals, queries and TAT.


• Ensure loan disbursement as per business plans, credit policies and approved terms.


• Take informed decisions on loan approvals, rejections, deviations and risk mitigants.


• Ensure compliance with RBI/regulatory guidelines, internal policies and credit processes.


• Monitor loan portfolio, repayments and early warning signals to control delinquencies and bad debts.


• Maintain accurate credit records, MIS, portfolio reports and TAT trackers.


• Review and recommend changes in credit policies based on portfolio performance, market conditions and risk trends.


• Coordinate with Sales, Operations, Risk, Legal and Collections teams for smooth business operations.


• Strong MS Excel, analytical, communication, negotiation and stakeholder management skills required.


• Experience in NBFC/Bank/Fintech lending and co-lending preferred.


• MBA freshers may also apply.