Credit Manager/Senior Credit Manager - NBFC (3-5 yrs)

About Company

Founded more than 5 years ago, this digital-fintech NBFC specializes in two-wheeler financing. With the backing of prominent business houses, the company operates across Maharashtra, Gujarat, and few other States. It primarily provides loans for the purchase of new two-wheelers, with an average ticket size of more than Rs70000. The focus is on delivering quick and accessible financing solutions, making it easier for customers to own their vehicles with minimal hassle.

Job Description

Responsibilities:

1. Credit Risk Assessment:

i. Evaluate creditworthiness of loan applicants by analyzing financial data, credit reports, and other relevant information.

ii. Implement risk mitigation strategies to ensure sound credit decisions.

2. Underwriting:

i. Conduct thorough underwriting of two-wheeler loan applications.

ii. Assess collateral, financial statements, and other relevant documents.

3. Policy Compliance:

i. Ensure adherence to internal credit policies and regulatory guidelines.

ii. Stay updated on industry trends and changes in credit regulations.

4. Portfolio Management:

i. Monitor and manage the credit portfolio to minimize risk exposure.

ii. Develop strategies for portfolio optimization and growth.

5. Team Leadership:

i. Provide leadership and guidance to the credit team.

ii. Foster a collaborative and performance-driven work environment.

Qualifications:

1. Degree in Finance, Business, or a related field. Master's degree is a plus.

2. Proven experience in credit management within the NBFC sector, specifically in two-wheeler financing.

3. Strong analytical and decision-making skills.

4. Knowledge of credit risk models and underwriting principles.

5. Excellent communication and interpersonal skills.

6. Leadership experience with the ability to mentor and develop a team.