Credit Manager - Credit Appraisal - NBFC

Role Overview:

As a Credit Manager within our NBFC division, you will serve as a critical gatekeeper for our lending portfolio, ensuring that our risk appetite aligns with our aggressive growth targets. You will be responsible for the end-to-end evaluation of credit proposals, conducting deep-dive financial analysis, and making informed underwriting decisions that balance profitability with asset quality. Working closely with the sales, operations, and risk management teams, you will act as a bridge between business development and portfolio health. Your expertise will directly influence the company's bottom line by minimizing non-performing assets and ensuring that our credit decisions are both compliant and commercially sound, ultimately fostering long-term trust with our diverse client base across.

Job Location:

Chandigarh/Mumbai/Chennai/Delhi/Hyderabad/Ahmedabad/Pune

Key Responsibilities:

- Evaluate complex credit proposals by performing rigorous credit appraisal to ensure alignment with internal lending policies and regulatory standards.

- Conduct comprehensive credit analysis of financial statements, cash flows, and market trends to provide an accurate assessment of borrower repayment capacity.

- Execute thorough due diligence on prospective clients, including site visits and verification of collateral, to mitigate operational and fraud risks.

- Assign internal credit ratings to loan applications based on quantitative and qualitative risk parameters to facilitate data-driven decision-making.

- Collaborate with the sales team to structure customized credit solutions that meet client requirements while maintaining a healthy risk-reward profile for the organization.

- Monitor the performance of the assigned portfolio to identify early warning signals and proactively manage potential delinquencies.

Required Skillset:

- Need 2 - 5 Years experience in NBFC.

- Demonstrated proficiency in financial statement analysis and credit underwriting, with a sharp eye for identifying inconsistencies in financial data.

- Strong analytical mindset with the ability to synthesize complex information into clear, actionable credit memos for senior management.

- Excellent interpersonal and communication skills, enabling you to negotiate effectively with internal stakeholders and maintain professional relationships with clients.

- Ability to thrive in a fast-paced environment, managing multiple loan applications simultaneously without compromising on the quality of due diligence.

- A degree in Finance, Accounting, or a related field, complemented by a solid understanding of the NBFC regulatory landscape in India.

- High degree of adaptability to work in a dynamic, on-site environment across our regional offices, ensuring consistent credit standards are upheld across all locations.