Credit manager

Job description

• Understanding of financial statements, Bank statements, key Financial Ratios, Working capital management, FOIR, DBR, Multipliers, etc. Ability to judge the customer profile and identify his/her eligibility basis data provided


• Experience of working and evaluating Bureau reports (CIBIL, Experian, CRIF, etc.)


• Good Understanding of various loan products


• Strong analytical skills and detail oriented to understand the business model of the borrower.


• Ability to explain complex information clearly and rationally.


• Forward request beyond the statutory limit to the HO


• Manage external agents involved in the verification process


• Co-ordinate with the recoveries team and generate business insights.


• Responsible for fraud management and risk mitigation activities


• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.


• To evaluate proposals of customers for LAP and BL


• Decision making within defined TAT