Credit Operations Manager

IBL Finance Pvt. Ltd.; Surat; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

A leading finance company in Surat is seeking a Credit Operations Manager to enhance credit assessment and approval processes. In this role, you will monitor the credit portfolio, identify risks, and collaborate with underwriting and lending teams. The ideal candidate has over 3 years of experience in B2B lending operations and strong analytical skills. This full-time position aims to enable sustainable business growth while ensuring compliance and operational efficiency.

Qualifications

• 3+ years of hands-on experience in B2B Lending Operations within an NBFC or Banking sector.
• Full awareness and adherence to quality assurance and control measures.
• Well-developed analytical skills with a good understanding of financial components.
• Well-developed analytical skills with ability to form independent opinions on credit and recognize emerging risks
• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Responsibilities

• Oversee credit assessment and approval process for operational efficiency.
• Monitor credit portfolio performance and identify emerging risks.
• Collaborate with teams for consistent credit decisions and risk management.
• Creditworthiness Analysis: Assess financial statements and credit reports to determine risk and guide approval/decline decisions.
• Collaborate with underwriting, lending, collections and sales teams to ensure sound credit decisions and alignment with risk management strategies.

Skills

B2B Lending Operations

Analytical Skills

Communication Skills

Education

Inter CA, CA and above

Job description

The Credit Operations Manager is responsible for overseeing and enhancing the end-to-end credit assessment and approval process to ensure accuracy, compliance, and operational efficiency. This role ensures that all credit documentation is thoroughly reviewed and verified, securing any required Credit Opinion Reports or external references to support robust creditworthiness evaluations. The manager provides ongoing oversight of the credit portfolio by monitoring key performance indicators—such as credit quality, delinquency levels, default trends, and sector exposures—to identify emerging risks and implement timely mitigation strategies.In this leadership role, the Credit Operations Manager stays abreast of evolving market conditions, regulatory developments, and industry trends, recommending updates to credit policies, procedures, and risk-management frameworks to maintain alignment with best practices. The position supports business units by offering expert guidance on credit risk factors and decision-making, and collaborates closely with underwriting, lending, collections, and sales teams to ensure consistent and sound credit decisions. The manager plays a critical role in safeguarding portfolio health while enabling sustainable business growth.

• Number Of Positions : 1

Location

Surat

Experience

3+ years of experience

Job Type

Full-time

Salary Range

As per industry Standard

• Posted On: December 9, 2025

Key Responsibilities

Pre-Disbursal Activities:

• Document Verification and Credit Assessment:
• Review and verify all required documents for credit assessment to ensure completeness and accuracy before submission.
• Once all necessary documents are received, forward them to the Credit Head for further evaluation.
• Credit Opinion Report:
• Secure a Credit Opinion Report or reference from other lending institutions or financial partners, where applicable, to evaluate the applicant’s creditworthiness.

Post-Disbursal Activities:

• Portfolio Monitoring and Risk Assessment:
• Continuously monitor and assess the performance of credit portfolios by analyzing key metrics such as credit quality, delinquency rates, defaults, and exposure to different sectors.
• Regularly review and evaluate any emerging risks in the portfolio and take necessary actions to mitigate them.
• Risk Reporting and Recommendations:
• Provide detailed and regular reports on portfolio performance, identifying areas of concern and making recommendations for mitigating risk exposure.
• Ensure that credit limits, exposure limits, and other parameters are clearly defined and adhered to across all business units.
• Trend Identification and Policy Adjustment:
• Track emerging trends in credit risk, including market changes, regulatory developments, and financial sector performance.
• Based on findings, recommend adjustments to existing credit risk policies, procedures, and strategies to ensure alignment with the evolving risk landscape.
• Prepare and present detailed risk reports to the Risk Committee on a quarterly basis, highlighting key risks, their potential impact, and proposed mitigations.
• Provide insights into compliance status and any emerging regulatory or operational challenges.
• Creditworthiness Analysis:
• Analyze complex financial statements, credit reports, and other relevant documents to assess the creditworthiness of potential clients, loan applicants, or partners.
• Use data-driven insights to make recommendations on whether to approve or decline credit applications, considering the risk exposure and financial stability of applicants.
• Credit Decisions and Risk Mitigation Strategies:
• Assist business units in making informed credit decisions by providing insights into credit risk factors and potential mitigation strategies.
• Collaborate with underwriting, lending, collections, and sales teams to ensure that credit decisions align with overall risk management strategies.
• End Use for New Exposure:
• Ensure appropriate end-use checks for any new credit exposure, ensuring that funds are being used as intended and within the agreed-upon terms.
• Monitoring and Data Reporting:
• Conduct monthly management-certified reports on book debts, ensuring accuracy and timely submission.
• Prepare quarterly CA-certified reports on book debts, ensuring that all necessary financial data is accounted for and certified as accurate by the Chartered Accountant (CA).
• Monitor and review relevant data on a quarterly basis to ensure that credit policies are being followed and that the portfolio remains within risk limits.
• Ensure compliance with covenants specified in loan agreements, reviewing and issuing Covenant Certificates on a quarterly basis to confirm adherence to financial covenants and other agreed-upon terms.
• Participate in quarterly Risk Committee meetings, presenting portfolio performance, emerging risks, and proposed action plans.
• Provide ongoing updates to the committee on key risk factors and adjustments to credit risk management strategies.

Requirements

Qualification:

• 3+years of hands on experience in B2B Lending Operations within an NBFC or Banking sector
• Full awareness and adherence to the control environment including Quality Assurance and Quality Control
• Inter CA,CA and above
• Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Open

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IBL Finance Limited is a new age technology driven NBFC committed to servicing the customers for more than 7 years.

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Corporate Identity Number (CIN)
L65999GJ2017PLC098565

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