Credit Manager- job post We credit

Full job description
Role Overview

We are seeking a detail-oriented and analytically strong Credit Manager to join our sanction team. The role involves evaluating loan applications, assessing creditworthiness, and ensuring compliance with internal policies and regulatory standards. The ideal candidate should have hands-on experience in fintech or NBFC credit processes and a sound understanding of risk assessment.

Key Responsibilities

Evaluate and analyze loan applications across personal/business loan segments
Conduct detailed credit assessments including income analysis, FOIR, bureau checks (CIBIL), and banking analysis
Review KYC, financial documents, and supporting records for completeness and authenticity
Make informed credit decisions in line with company risk policies
Approve, decline, or recommend applications with proper justification
Coordinate with sales, operations, and risk teams for smooth processing
Maintain TAT and ensure high-quality underwriting standards
Identify potential risks and flag discrepancies in applications
Ensure compliance with regulatory guidelines and internal credit policies
Required Skills & Competencies

Strong understanding of credit underwriting and risk assessment
Knowledge of fintech/NBFC loan processes and policies
Familiarity with credit bureau reports (CIBIL, Experian, etc.)
Analytical mindset with attention to detail
Ability to take independent credit decisions
Good communication and documentation skills
Proficiency in MS Excel and loan processing systems
Eligibility Criteria

Bachelor’s degree in any relevant field
1–2 years of relevant experience in credit/sanction role (Fintech/NBFC preferred)
Job Type: Full-time

Pay: ₹25,000.00 - ₹35,000.00 per month

Application Question(s):

What's your current salary?
What's your expected salary?
How many days of notice period you have?
Are you comfortable with the location?
Work Location: In person