Regional Credit Manager

Electronica Finance Limited; Pune District; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

Electronica Finance Limited seeks an analytical Credit Manager to scale MSME Loan, Machinery loans, and LAP portfolios. You will be the financial gatekeeper, balancing growth with rigorous risk mitigation and portfolio hygiene.

Role requires 10+ years in LAP or Machinery underwriting, with expertise in MSME segments, collateral evaluation, and regulatory compliance. A graduate in Finance, CA or MBA Finance is preferred.

Qualifications

• Minimum 10 years in LAP or Machinery loan underwriting.
• Proven MSME borrower handling experience.
• Strong financial statement analysis and risk assessment skills.

Responsibilities

• Evaluate high-value LAP and Machinery loan proposals for MSME borrowers.
• Analyze complex financial statements, tax audits, and cash flows.
• Assess borrower repayment capacity through GST analysis.
• Conduct risk assessments based on industry trends and market conditions.
• Verify collateral valuation reports and legal vetting documents.
• Interact with Sales, Operations, and verification agencies to structure viable deals.

Skills

LAP underwriting

Credit risk analysis

Financial statement analysis

Education

Graduate in Finance

Chartered Accountant (CA)

MBA Finance

Tools

LOS

Credit software

Job description

We are seeking an analytical and risk-conscious Credit Manager to scale our MSME Loan, Machinery loans and Against Property (LAP) portfolio. You will be the financial gatekeeper, balancing business growth with impeccable risk mitigation.

Key Responsibilities

Credit Underwriting & Risk Analysis

• Evaluate high-value LAP loan and Machinery loan proposals for MSME borrowers.
• Analyze complex financial statements, tax audits, and cash flows.
• Assess borrower repayment capacity through banking and GST analysis.
• Conduct detailed risk assessments regarding industry and market trends.
• Verify collateral valuation reports and legal vetting documents.
• Detect and mitigate potential fraud risks through strict verification.

Policy Compliance & Portfolio Hygiene

• Align all underwriting decisions with corporate credit policies.
• Ensure strict adherence to regulatory and compliance guidelines.
• Monitor portfolio quality to minimize non-performing assets (NPAs).
• Maintain impeccable credit hygiene across all loan files.
• Implement corrective actions based on internal audit findings.
  Stakeholder Collaboration
  • Partner with Sales teams to understand client profiles.
  • Structure viable loan deals without compromising credit parameters.
  • Coordinate with Operations for timely and accurate loan disbursements.
  • Interact with credit verification agencies and legal vendors.
  • Present complex credit cases to higher sanctioning authorities.
  Desired Candidate ProfileExperience & Qualifications
  • Minimum Experience: 10 years in LAP or Machinery loan underwriting specifically.
  • Segment Focus: Proven expertise handling MSME customer segments.
  • Education: Graduate/Postgraduate in Finance, CA, or MBA Finance.
  Technical & Operational Skills
  • Strong understanding of collateral evaluation methods.
  • Deep knowledge of banking regulations and financial analysis.
  • Proficiency in loan origination systems (LOS) and credit software.
  • Excellent balance sheet analysis and ratio analysis skills.