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  • Credit

Deputy Manager – Credit

Apply Now

About the Role

 

As the Deputy Manager Credit for LendingKart, you
will play a crucial role in managing and overseeing the credit operations and
processes of the organization. You will be responsible for assessing the
creditworthiness of individuals and businesses, evaluating loan applications,
managing credit risk, and ensuring compliance with relevant regulations and
internal policies. You will work closely with the Credit Manager and other
cross-functional teams to optimize credit operations and contribute to the
overall growth and success of the company.

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

  • You
    will evaluate creditworthiness of loan applicants through analysis of
    financial statements, credit scores, payment history, and other relevant
    factors.

  • You
    will make informed decisions on loan applications based on the company’s
    credit policies and risk tolerance.

  • You
    will conduct thorough credit risk analysis to identify potential risks and
    develop risk mitigation strategies – Credit Assessment and Decision Making

  • You
    will oversee the end-to-end credit operations process, including loan
    application processing, documentation, and disbursement.

  • You
    will collaborate with internal teams such as Sales, Underwriting, and
    Collections to ensure smooth and efficient credit operations.

  • You
    will develop and implement credit policies, procedures, and guidelines to
    enhance efficiency and maintain compliance – Credit Operations Management.

  • You
    will monitor and manage the credit portfolio to identify early warning
    signs, trends, and potential areas of concern.

  • You
    will perform periodic portfolio analysis to assess the performance of
    loans, identify patterns, and make recommendations for portfolio
    optimization.

  • You
    will utilize data and analytics to generate insights and develop
    strategies for minimizing credit risk and improving portfolio quality –
    Portfolio Monitoring and Analysis.

  • You
    will stay updated on relevant regulations, guidelines, and industry best
    practices related to credit and lending.

  • You
    will ensure compliance with regulatory requirements and internal policies
    in all credit-related activities.

  • You
    will collaborate with the Compliance and Legal teams to address any
    compliance issues and implement necessary controls – Compliance and
    Regulatory Adherence.

  • You
    will provide guidance, training, and mentoring to credit team members to
    enhance their skills and performance.

  • You
    will foster a collaborative and supportive work environment, promoting
    effective teamwork and knowledge sharing.

  • You
    will conduct performance evaluations, set performance goals, and provide
    regular feedback to team members – Team Management and Development

 

  • Jodhpur
  • 4 - 10 Years
  • Credit

Deputy Manager – Credit

Apply Now

About the Role


As the Deputy Manager Credit for LendingKart, you will play a crucial role in managing and overseeing the credit operations and processes of the organization. You will be responsible for assessing the creditworthiness of individuals and businesses, evaluating loan applications, managing credit risk, and ensuring compliance with relevant regulations and internal policies. You will work closely with the Credit Manager and other cross-functional teams to optimize credit operations and contribute to the overall growth and success of the company.

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

  • You will evaluate creditworthiness of loan applicants through analysis of financial statements, credit scores, payment history, and other relevant factors.

  • You will make informed decisions on loan applications based on the company’s credit policies and risk tolerance.

  • You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigation strategies – Credit Assessment and Decision Making

  • You will oversee the end-to-end credit operations process, including loan application processing, documentation, and disbursement.

  • You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensure smooth and efficient credit operations.

  • You will develop and implement credit policies, procedures, and guidelines to enhance efficiency and maintain compliance – Credit Operations Management.

  • You will monitor and manage the credit portfolio to identify early warning signs, trends, and potential areas of concern.

  • You will perform periodic portfolio analysis to assess the performance of loans, identify patterns, and make recommendations for portfolio optimization.

  • You will utilize data and analytics to generate insights and develop strategies for minimizing credit risk and improving portfolio quality – Portfolio Monitoring and Analysis.

  • You will stay updated on relevant regulations, guidelines, and industry best practices related to credit and lending.

  • You will ensure compliance with regulatory requirements and internal policies in all credit-related activities.

  • You will collaborate with the Compliance and Legal teams to address any compliance issues and implement necessary controls – Compliance and Regulatory Adherence.

  • You will provide guidance, training, and mentoring to credit team members to enhance their skills and performance.

  • You will foster a collaborative and supportive work environment, promoting effective teamwork and knowledge sharing.

  • You will conduct performance evaluations, set performance goals, and provide regular feedback to team members – Team Management and Development

  • Udaipur
  • 4 - 10 Years
  • Credit

Executive – Verification

Apply Now

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

  • Review
    and verify cases in line with internal KYC policies and risk-related
    checkpoints.

  • Process
    cases further for disbursement after due diligence and compliance checks.

  • Work
    across the complete Verification & FCU  including BSV, RCU, and
    other risk-related activities.

  • Ensure
    accuracy, compliance, and timely verification in accordance with company
    policy.

Requirements:

  • Strong
    knowledge of internal KYC policies .

  • Good
    understanding of internal systems and processes.

  • Prior
    experience in verification, related risk functions preferred.

  • Ability
    to work collaboratively with cross-functional teams.

 

  • Ahmedabad
  • 1 - 4 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.
  • Dindigul
  • 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.
  • Krishnagiri
  • 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.
  • Erode
  • 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.
  • Sivakasi
  • 0 Years
  • Credit

Credit Manager – Secured

Apply Now

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.

 

  • Thiruvannamalai
  • 4 - 8 Years
  • Credit

Credit Manager – Secured

Apply Now

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.

 

  • Kanchipuram
  • 4 - 8 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