Credit Manager
We are looking for a Credit Manager to join our team as we scale our company. We trusted digital working capital solutions partner for enterprises and small businesses. We partner with leading brands such as Jiomart, Reliance, Haier, Jindals, Amaron, etc. to extend customised payments and financing solutions for their supply chain ecosystem.
Location: Andheri, Mumbai
Roles & Responsibilities:
- Provide analysis of customer financial statements and ensure that all data entry is accurate and complete, and authorise credit limits
- Responsible for the underwriting of loan requests and annual reviews
- Serve as consultant in the local Credit Committees and related meetings and projects
- Interact with current loan/credit customers, prospects, and bank lending officers
- Discuss the decision process for credit lines exceeding the local competencies with Headquarters, if applicable
- Responsible for reviewing legal documentation and ensuring proper administrative follow-up of credit decisions
- Analyse loan data, including data provided by customers, credit bureaus, and bank records on new, renewal, and existing loans to ensure loan worthiness
- Prepare spreadsheets, summaries, reports, and opinions for loan officers and loan committees to aid sound credit decisions on new, renewal, and existing loans
- Ensure that clients financial statements are in line with the company's policies, and express an opinion on the financial situation of the customer
- Based on the agreed policies of the company, decision-making of approval or rejection of a particular loan application and make further connections for verification of the customer's documents.
- Maintain current knowledge of industry and professional topics by attending relevant training sessions
- Ensure there are timely and effective mechanisms for feedback to teams and team members on issues related to performance or compliance with policy and procedure, including retraining or other measures as needed
