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Sourcing
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Pre and Post disbursement
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Sourcing
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Pre and Post disbursement
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Job Description :
At Lendingkart we are scouting for individuals who will be building, planning and implementing the overall finance strategy. If you want to start small, impact large – this is the place for you.
Key Responsibilities:
Key Requirements:
Education: MBA(Finance)
Experience: 3-6 years of experience in the credit vertical of any of the bank / Financial Institution/NBFC, Digital lending background would be an added advantage.
They must have approval authority for Unsecured Business loan
Skills:
Personal Attributes :
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.
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.
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
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.
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.
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.
About the Role:
As the Senior 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 Managers 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.
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.
About the Role :
At Lendingkart we are scouting for individuals who will be building, planning and implementing the overall finance strategy. If you want to start small, impact large – this is the place for you.
Key Responsibilities:
● Credit Risk Assessment: Analyze Bank statements, Bureau reports, and other related documents to assess credit risk and the financial health of clients
● Credit Evaluation: Provide recommendations based on credit scoring models and financial performance, ensuring decisions align with company policies and risk management guidelines.
● Understanding of Financial Statements: Calculate and understand financial ratios and evaluate financial position of the borrower
● Customer Interaction: Communicate with clients, to gather information and resolve queries related to credit assessments.
● Compliance and Regulation: Ensure adherence to relevant credit policies, legal regulations, and best practices in credit analysis.
● Trend Analysis: Stay updated on industry trends, market conditions, and macroeconomic factors affecting credit risk.
● TAT management: Credit Analyst is held accountable for completing tasks promptly while maintaining the quality of work.
Key Requirements:
● Education: MBA(Finance) / CA / Inter CA
● Experience: 3-6 years of experience in the credit vertical of any of the bank / Financial Institution/NBFC, Digital lending background would be an added advantage.
● They must have approval authority for Unsecured Business loan
Skills:
● Strong understanding of financial statements and credit reports.
● Proficiency in financials, risk analysis, and credit scoring systems.
● Familiarity with credit-related regulations, policies, and industry Standards.
● Excellent written and verbal communication skills.
● Strong analytical, problem-solving, and decision-making abilities.
● Ability to manage multiple tasks.
Personal Attributes:
● Detail-oriented with strong organizational skills.
● Ability to work independently and in a team-oriented environment.
● Strong interpersonal skills and the ability to interact effectively with clients to understand the business model.
About the Role :
As the 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:
What you would possess already: