LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Ahmedabad District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a senior leader to drive growth in credit management and to lead a high-performance team in India. You will assess creditworthiness, implement policies, and ensure regulatory compliance while guiding portfolio performance and risk mitigation.

The role requires strategic thinking, strong communication, and hands-on leadership to support sales and product growth while maintaining strict governance and accuracy in reporting.

Qualifications

• Education: B.Com with CA/CMA, MBA (Finance) or equivalent.
• Experience: 4+ years in credit management, underwriting of secured loans.
• Analytical ability to interpret financial reports, analyze data, and assess creditworthiness.
• Strong communication and negotiation skills for interacting with clients, colleagues, and senior management.
• Leadership abilities to manage and motivate a credit team.
• Attention to detail to identify issues in financial data.

Responsibilities

• Drive business growth and lead a high-performing credit team.
• Creditworthiness assessment and risk analysis for lending decisions.
• Implement credit policies, vendor management, and documentation.
• Lead and develop the credit team to ensure timely outputs and low delinquencies.
• Ensure regulatory compliance and reporting per RBI guidelines.
• Monitor portfolios, analyze delinquencies, and identify early warning signals.
• Coordinate with external agencies and vendors to resolve queries and ensure timely reporting.
• Partner with sales to support product growth and targets.

Skills

Analytical skills

Communication

Leadership

Attention to detail

Education

B.Com with CA/CMA/MBA (Finance) or equivalent

Job description

Role & responsibilities

Job responsibilities:

This is a senior leadership role responsible for driving business growth, managing a high-performing team.

• Creditworthiness Assessment and Management:Analyzing financial data and statements to determine the creditworthiness of individuals or firms and the associated risk in extending credit.
• Policy and Procedure Implementation:Establishing and monitoring processes related to credit management, including credit policies, vendor management and documentation.
• Team Leadership and Development:Leading a team of credit managers, providing guidance, training, and coaching to ensure TAT, portfolio quality and manage delinquencies.
• Regulatory Compliance and Reporting:Ensuring adherence to credit policies, regulatory guidelines (e.g., RBI regulations in India) and internal audit compliance.
• Portfolio Monitoring and Analysis:Tracking deviations, analyzing delinquent cases, and identifying early warning signals related to credit risk.
• Vendor and Agency Coordination:Liaising with external agencies (e.g., legal and technical agencies) and vendors to resolve queries and ensure timely report submissions.

Business Development and Support:Partnering with sales teams to achieve business targets and providing credit-related support for product growth.

Requirements :

Education:B. Com with CA/CMA, MBA (Finance) or equivalent degree.

Experience:Min 4 years plus experience in credit management, underwriting of secured loans.

Analytical Skills:The ability to interpret financial reports, analyze data, and assess creditworthiness.

Communication and Interpersonal Skills:Effective communication and negotiation skills for interacting with clients, colleagues, and senior management.

Leadership and Team Management:Strong leadership abilities to manage and motivate a credit team.

Attention to Detail:Precision and meticulousness to identify potential issues and avoid errors in financial data.