Credit Manager

Description: We are hiring Credit Managers to join our team in Vastrapur this role you will be responsible for evaluating and overviewing incoming loan applications assessing risk and making approval or rejection decisions based on established credit criteria and company policies. The role requires strong analytical ability attention to detail and effective coordination with sales sourcing and verification teams.

• Application Overview & Assessment: Rigorously review and evaluate loan applications for completeness accuracy and compliance with NBFC policies.
• Credit Analysis: Verify borrower profiles credit reports (CIBIL Experian) income documents bank statements and business credentials.
• Decision Making: Grant loan approvals or recommend rejections based on predefined credit risk parameters and financial criteria.
• Risk Management: Identify potential fraud red flags or high-risk profiles during the appraisal process.
• Turnaround Time Management: Ensure loan applications are processed and decided upon efficiently within set timelines.
• Coordination: Liaise with sales sourcing and verification teams to clarify discrepancies in applicant details or documentation.

• 1–3 years of experience in credit appraisal loan underwriting or risk analysis within an NBFC bank or financial institution. Freshers with a strong financial background may also be considered.
• Bachelor’s degree in Commerce Finance Business Administration or a related field ( BBA MBA preferred).
• Clear communication skills in Gujarati and Hindi; basic English proficiency required.

• Credit Appraisal
• Financial Statement Analysis
• Credit Scoring (CIBIL Experian)
• Loan Underwriting
• Risk Assessment
• Fraud Detection
• Bank Statement Analysis
• Income Verification
• Turnaround Time Management
• Cross-functional Coordination
• MS Excel
• Loan Management Systems
• CRM
• Numerical Aptitude
• Attention to Detail
• Decision Making
• Documentation and Compliance
• Portfolio Monitoring
• Gujarati language proficiency
• Hindi language proficiency
• English language proficiency (basic)
• Communication Skills

What We Offer:

professional growth opportunities within a fast-growing NBFC and

A convenient work location in Vastrapur Ahmedabad.

Required Skills:

Application Overview & Assessment Credit Analysis Credit Appraisal Financial Statement Analysis Credit Scoring CIBIL Experian Loan Underwriting Risk Assessment Risk Analysis Fraud Detection Bank Statement Analysis Income Verification Turnaround Time Management Cross-functional Coordination MS Excel Loan Management Systems CRM Numerical Aptitude Attention to Detail Decision Making Documentation and Compliance Portfolio Monitoring Gujarati language proficiency Hindi language proficiency English language proficiency (basic) Communication Skills Analytical Ability Risk Management