Job Description
Position: Credit Manager – Retail Assets
Industry: Leading NBFC / Bank
Location: Delhi / Gurgaon / Rohtak / Lucknow
CTC: Up to ₹8 LPA
Experience: Relevant experience in Retail Asset / Credit Underwriting preferred
Job Profile
We are looking for an experienced Credit Manager – Retail Assets to join a leading NBFC/Bank. The role will be responsible for credit assessment, underwriting, risk evaluation and approval of retail loan applications while ensuring compliance with the organization’s credit policies and risk guidelines.
Key Responsibilities
- Evaluate and underwrite retail loan applications based on financial and credit parameters.
- Analyse customer profiles, income documents, banking transactions, bureau reports and repayment capacity.
- Ensure quality credit decisions while maintaining the required TAT and portfolio quality.
- Identify potential credit risks, discrepancies and early warning signals.
- Coordinate with Sales, Operations, Legal, Technical and other stakeholders for smooth processing.
- Ensure adherence to internal credit policies, regulatory requirements and process guidelines.
- Review and monitor the quality of the loan portfolio and recommend appropriate risk mitigations.
- Handle escalations related to credit decisions and support business teams with suitable solutions.
Candidate Profile
- Graduate/Postgraduate with relevant experience in Retail Assets / Credit Underwriting / Credit Risk.
- Strong understanding of retail lending products, credit assessment and risk management.
- Good analytical, decision-making and communication skills.
- Ability to manage business requirements while maintaining credit quality.
- Candidates from Banks, NBFCs, Housing Finance Companies or Retail Lending institutions will be preferred.