Field Credit Manager - Raipur

Aye Finance Limited; Raipur; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Aye Finance Limited in Raipur is seeking a senior credit professional to manage high-value approvals and core underwriting activities. You will exercise high-value sanction/deviation delegations for unsecured loans and sign off CAMs with a focus on identifying industry, business, financial, and management risks.

You will also balance aggressive sales targets with asset safety by structuring risk mitigants such as co-applicants, collateral, or guarantor guarantees, while leading BCMs and credit

Qualifications

• Credit risk assessment and high-value loan approvals.
• CAMs review with risk highlighting across branches.
• Risk mitigants and structured credit approaches for self-employed/NTC borrowers.

Responsibilities

• Exercise high-value sanction/deviation delegations for unsecured loans.
• Evaluate and sign off on CAMs prepared by branch/area credit teams, highlighting risks.
• Balance sales targets with asset safety through structured risk mitigants.
• Lead, mentor, and monitor a team of BCMs and credit officers across multiple branches.
• Ensure uniform adherence to NBFC credit risk policy, underwriting guidelines, and RBI mandates.
• Monitor TAT to balance quick processing with quality controls.

Skills

Credit Delegation & Sign-offs

Critical Review (CAMs)

Alternative Risk Structuring

Team Supervision

Policy Standardization

TAT Management

Job description

. Credit Underwriting & High-Value Approvals

• Credit Delegation & Sign-offs: Exercise high-value financial sanction/deviation delegations for unsecured loans
• Critical Review (CAMs): Evaluate and sign off on Credit Appraisal Memos (CAMs) prepared by branch/area credit teams, highlighting industry, business, financial, and management risks.
• Alternative Risk Structuring: Balance aggressive sales targets with asset safety by finding structured risk mitigants (co-applicants, additional collateral, guarantor guarantees) for self-employed or New-to-Credit (NTC) borrowers.

. Team Management & Branch Governance

• Team Supervision: Lead, mentor, and monitor a team of Branch Credit Managers (BCMs) and credit officers across multiple district/city branches .
• Policy Standardization: Ensure uniform and strict adherence to the NBFCs credit risk policy, underwriting guidelines, and Reserve Bank of India (RBI) regulatory mandates across all locations.
• Turnaround Time (TAT) Management: Monitor daily login-to-approval and disbursement velocities to ensure quick processing while maintaining quality controls.