Careers

Explore Job Openings

Clear Filters
  • Credit

Credit Manager – Secured

Apply Now

JOB
DESCRIPTION

1.       JD Code

Credit Manager

2.       Job Title

Credit Manager

3.       Department

Credit

4.       Sub Dept/ Section

Credit

5.       Branch/ Office/Location

 

6.       Zone/ Region/ Area

 

7.       Level

 

8.       Grade/Band

 

9.       CTC (Min-Max)

Up to 8 Lakhs

10.   CTC – Other Benefits/ Entitlement

As per Company policy
(Local Conveyance)

11.   Reporting To

Area Credit Manager

12.   Reportees

Nil

13.   Age – Minimum

25 years

14.   Age – Maximum

45 years

15.   Qualification – Desired (including
specialization required, if any)

Graduation / Post Graduation. MBA / CA will be an
added advantage.

16.   Qualification-Minimum

Graduation.

17.   Type of Experience (industry)

Credit

18.   Experience – Years (min/ max)

2 – 5 Years

19.   Team Managing Experience in Years –
Desired

–

20.   Team Managing Experience in Years (minimum)

–

21.   Functional Linkages-internal

·        
Credit
Vertical

·        
FCU /
Audit

·        
Centralized
operations department

·        
HR
teams

·        
Legal
& Technical

·        
Branch
service delivery team

·        
IT
support team

·        
Corporate
office team

22.   Functional Linkages-External

·        
Collection & FCU Agency

23.   Travelling Requirement (0%,10-20%,
20-30%, 30-50%, 50-70%, >70% etc)

·        
Require
extensive travelling within own Area – 75%

24.   Proficiency in Computer/ Tech

 

·        
Ability
to learn use of Bank’s internal software

 

25.   Overall purpose of the job

A Credit Manager
acts as the primary gatekeeper of the bank’s asset quality. The core of this
role is to facilitate lending by rigorously assessing a client’s
creditworthiness and ensuring all regulatory and internal paperwork is
processed accurately.

By evaluating
financial data and calculating risk ratios, the Credit Manager ensures that
every loan approved aligns with the bank’s risk appetite while supporting
business growth.

1.      
Key
Performance Areas

Sourcing

Ø  File checking for document sufficiency
as per the policy.

Ø  Feedback the upfront discrepancies to
the sales team.

Ø  Create the file on processing system /
tracking systems.

Ø  Handling credit tools such as CAM.

Ø  Doing reference check, Cash flow
analysis & Doing collateral verification

Ø  Analyzing Credit worthiness of the
Customers on the basis of Banking, Salary Slips and other income docs.

Ø  Calculation of Debt burden and
analyzing Credit worthiness of the Customers on the basis of previous Track
records

Ø  Preparation of Credit Appraisal Memo
& forwarding the same case once it’s cleared to Cluster Manager

Ø  Maintaining TAT for approval

Pre and Post disbursement

Ø  Verification of the Post Approval
Documentation along with any Subject to Condition Approval requirements.

Ø  Ensure the completion of Risk Screening
(FCU) process for all files

Ø  Post Disbursal Documentation

Ø  End Use Verification

Ø  Maintain audit and compliance.

Ø  Responsible for collection.

 

 

 

 

2.      
Competencies Required

(a)    Credit

(b)    Legal

(c)     Technical

(d)    Collections 

3.      
Personal Attributes

(a)   
Systematic

(b)   
Honesty, Loyalty

(c)    
Positive attitude with
leadership quality.

(d)   
Self-driven, who can walk that
extra mile to achieve the target

4.      
Equipment/ Facilities to be Provided by
Bank

(a)   
Work Station

(b)   
Mobile / SIM as per policy

(c)    
Laptop

5.      
Any other Requirement

·        
Able bodied and healthy person,
who can undertake travel extensively.
  • Tambaram
  • 2 - 7 Years
  • Credit

Credit Manager – Secured

Apply Now

JOB
DESCRIPTION

1.       JD Code

Credit Manager

2.       Job Title

Credit Manager

3.       Department

Credit

4.       Sub Dept/ Section

Credit

5.       Branch/ Office/Location

 

6.       Zone/ Region/ Area

 

7.       Level

 

8.       Grade/Band

 

9.       CTC (Min-Max)

Up to 8 Lakhs

10.   CTC – Other Benefits/ Entitlement

As per Company policy
(Local Conveyance)

11.   Reporting To

Area Credit Manager

12.   Reportees

Nil

13.   Age – Minimum

25 years

14.   Age – Maximum

45 years

15.   Qualification – Desired (including
specialization required, if any)

Graduation / Post Graduation. MBA / CA will be an
added advantage.

16.   Qualification-Minimum

Graduation.

17.   Type of Experience (industry)

Credit

18.   Experience – Years (min/ max)

2 – 5 Years

19.   Team Managing Experience in Years –
Desired

–

20.   Team Managing Experience in Years (minimum)

–

21.   Functional Linkages-internal

·        
Credit
Vertical

·        
FCU /
Audit

·        
Centralized
operations department

·        
HR
teams

·        
Legal
& Technical

·        
Branch
service delivery team

·        
IT
support team

·        
Corporate
office team

22.   Functional Linkages-External

·        
Collection & FCU Agency

23.   Travelling Requirement (0%,10-20%,
20-30%, 30-50%, 50-70%, >70% etc)

·        
Require
extensive travelling within own Area – 75%

24.   Proficiency in Computer/ Tech

 

·        
Ability
to learn use of Bank’s internal software

 

25.   Overall purpose of the job

A Credit Manager
acts as the primary gatekeeper of the bank’s asset quality. The core of this
role is to facilitate lending by rigorously assessing a client’s
creditworthiness and ensuring all regulatory and internal paperwork is
processed accurately.

By evaluating
financial data and calculating risk ratios, the Credit Manager ensures that
every loan approved aligns with the bank’s risk appetite while supporting
business growth.

1.      
Key
Performance Areas

Sourcing

Ø  File checking for document sufficiency
as per the policy.

Ø  Feedback the upfront discrepancies to
the sales team.

Ø  Create the file on processing system /
tracking systems.

Ø  Handling credit tools such as CAM.

Ø  Doing reference check, Cash flow
analysis & Doing collateral verification

Ø  Analyzing Credit worthiness of the
Customers on the basis of Banking, Salary Slips and other income docs.

Ø  Calculation of Debt burden and
analyzing Credit worthiness of the Customers on the basis of previous Track
records

Ø  Preparation of Credit Appraisal Memo
& forwarding the same case once it’s cleared to Cluster Manager

Ø  Maintaining TAT for approval

Pre and Post disbursement

Ø  Verification of the Post Approval
Documentation along with any Subject to Condition Approval requirements.

Ø  Ensure the completion of Risk Screening
(FCU) process for all files

Ø  Post Disbursal Documentation

Ø  End Use Verification

Ø  Maintain audit and compliance.

Ø  Responsible for collection.

 

 

 

 

2.      
Competencies Required

(a)    Credit

(b)    Legal

(c)     Technical

(d)    Collections 

3.      
Personal Attributes

(a)   
Systematic

(b)   
Honesty, Loyalty

(c)    
Positive attitude with
leadership quality.

(d)   
Self-driven, who can walk that
extra mile to achieve the target

4.      
Equipment/ Facilities to be Provided by
Bank

(a)   
Work Station

(b)   
Mobile / SIM as per policy

(c)    
Laptop

5.      
Any other Requirement

·        
Able bodied and healthy person,
who can undertake travel extensively.
  • Panruti
  • 2 - 7 Years
  • Credit

Credit Manager – Secured

Apply Now

About the Role:

As a Branch Credit Manager you will act as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately.

By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank’s risk appetite while supporting business growth.


Some high level things you would own but not limited to:

Sourcing

  • File checking for document sufficiency as per the policy.

  • Feedback the upfront discrepancies to the sales team.

  • Create the file on processing system / tracking systems.

  • Handling credit tools such as CAM.

  • Doing reference check, Cash flow analysis & Doing collateral verification

  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.

  • Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records

  • Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager

  • Maintaining TAT for approval

Pre and Post disbursement

  • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.

  • Ensure the completion of Risk Screening (FCU) process for all files

  • Post Disbursal Documentation

  • End Use Verification

  • Maintain audit and compliance.

  • Responsible for collection.

What you would possess already: 

  • Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.

  • 2+ Years of Exp in Credit Underwriting.

  •  Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.

  • Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.

  • Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.

  • Proficiency in using credit analysis tools, financial software, and data analytics platforms.

  • Nagercoil
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now

About the Role:

As a Branch Credit Manager you will act as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately.

By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank’s risk appetite while supporting business growth.


Some high level things you would own but not limited to:

Sourcing

  • File checking for document sufficiency as per the policy.

  • Feedback the upfront discrepancies to the sales team.

  • Create the file on processing system / tracking systems.

  • Handling credit tools such as CAM.

  • Doing reference check, Cash flow analysis & Doing collateral verification

  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.

  • Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records

  • Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager

  • Maintaining TAT for approval

Pre and Post disbursement

  • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.

  • Ensure the completion of Risk Screening (FCU) process for all files

  • Post Disbursal Documentation

  • End Use Verification

  • Maintain audit and compliance.

  • Responsible for collection.

What you would possess already: 

  • Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.

  • 2+ Years of Exp in Credit Underwriting.

  •  Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.

  • Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.

  • Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.

  • Proficiency in using credit analysis tools, financial software, and data analytics platforms.

  • Sivakasi
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now

Key Performance Area:

Sourcing

  • File checking for document sufficiency as per the policy.

  • Feedback the upfront discrepancies to the sales team.

  • Create the file on processing system / tracking systems.

  • Handling credit tools such as CAM.

  • Doing reference check, Cash flow analysis & Doing collateral verification

  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.

  • Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records

  • Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager

  • Maintaining TAT for approval


    Pre and Post disbursement

    • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.

    • Ensure the completion of Risk Screening (FCU) process for all files

    • Post Disbursal Documentation

    • End Use Verification

    • Maintain audit and compliance.

    • Responsible for collection.

  • Madurai
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now

Key Performance Area:

Sourcing

  • File checking for document sufficiency as per the policy.

  • Feedback the upfront discrepancies to the sales team.

  • Create the file on processing system / tracking systems.

  • Handling credit tools such as CAM.

  • Doing reference check, Cash flow analysis & Doing collateral verification

  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.

  • Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records

  • Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager

  • Maintaining TAT for approval


    Pre and Post disbursement

    • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.

    • Ensure the completion of Risk Screening (FCU) process for all files

    • Post Disbursal Documentation

    • End Use Verification

    • Maintain audit and compliance.

    • Responsible for collection.

  • Vellore
  • 0 Years
  • Credit

Regional Credit Manager – Secured

Apply Now

Key Performance Area

Sourcing

  • Handle entire activities of credit under this role.

  • Set up a Robust credit approval process

  • Handling credit tools such as CAM, Ratios etc.

  • Regular credit trainings across all levels 

  • Initiate the verifications as appropriate and suggested by the procedures

  • Mitigating Risk of existing portfolio

  • Oversee and ensure compliance with regulatory requirements 

  • Coordinate with All Regional Managers

  • People Management

  • MIS & Reporting

  • Recruitment/motivating/mentoring the team

    Pre and Post disbursement

    • Verification of the Post Approval Documentation along with any Subject To Condition Approval requirements.

    • Ensure the completion of Risk Screening (FCU) process for all files.

    • Maintain audit and compliance.

  • Chennai
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now
About the role :
A Credit Manager acts as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately. By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank & risk appetite while supporting business growth.
Some High Level level things you would own but not limited to :
  • File checking for document sufficiency as per the policy.
  • Feedback the upfront discrepancies to the sales team.
  • Create the file on processing system / tracking systems.
  • Handling credit tools such as CAM.
  • Doing reference check, Cash flow analysis & Doing collateral verification
  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
  • Calculation of Debt burden and analyzing Credit worthiness of the
  • Customers on the basis of previous Track records
  • Preparation of Credit Appraisal Memo & forwarding the same case onceit’s cleared to Cluster Manager
  • Maintaining TAT for approval
  • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
  • Ensure the completion of Risk Screening (FCU) process for all files.
  • Post Disbursal Documentation.
  • End Use Verification
  • Maintain audit and compliance.
  • Responsible for collection.
What you would possess already:
  • Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.
  • Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
  • Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
  • Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.
  • Proficiency in using credit analysis tools, financial software, and data analytics platforms.
  • Excellent analytical and problem-solving skills with attention to detail.
  • Strong communication and interpersonal skills to collaborate effectively with cross-functional teams, clients, and stakeholders.
  • Ability to work in a fast-paced, dynamic environment and handle multiple priorities simultaneously.
  • Strong leadership and team management abilities.
  • Tiruppur
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now

About the role :

A Credit Manager acts as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately. By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank & risk appetite while supporting business growth.

Some High Level level things you would own but not limited to :

  • File checking for document sufficiency as per the policy.
  • Feedback the upfront discrepancies to the sales team.
  • Create the file on processing system / tracking systems.
  • Handling credit tools such as CAM.
  • Doing reference check, Cash flow analysis & Doing collateral verification
  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
  • Calculation of Debt burden and analyzing Credit worthiness of the
  • Customers on the basis of previous Track records
  • Preparation of Credit Appraisal Memo & forwarding the same case onceit’s cleared to Cluster Manager
  • Maintaining TAT for approval
  • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
  • Ensure the completion of Risk Screening (FCU) process for all files.
  • Post Disbursal Documentation.
  • End Use Verification
  • Maintain audit and compliance.
  • Responsible for collection.

What you would possess already:

  • Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.
  • Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
  • Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
  • Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.
  • Proficiency in using credit analysis tools, financial software, and data analytics platforms.
  • Excellent analytical and problem-solving skills with attention to detail.
  • Strong communication and interpersonal skills to collaborate effectively with cross-functional teams, clients, and stakeholders.
  • Ability to work in a fast-paced, dynamic environment and handle multiple priorities simultaneously.
  • Strong leadership and team management abilities.
  • Coimbatore
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now

Sourcing

  • File checking for document sufficiency as per the policy.

  • Feedback the upfront discrepancies to the sales team.

  • Create the file on processing system / tracking systems.

  • Handling credit tools such as CAM.

  • Doing reference check, Cash flow analysis & Doing collateral verification

  • Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.

  • Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records

  • Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager

  • Maintaining TAT for approval

Pre and Post disbursement

  • Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.

  • Ensure the completion of Risk Screening (FCU) process for all files

  • Post Disbursal Documentation

  • End Use Verification

  • Maintain audit and compliance.

  • Responsible for collection.
  • Erode
  • 0 Years