Credit Manager

Role Overview

Peaklift Express Logistics is seeking a Credit Manager based in Delhi-NCR to oversee credit assessment, underwriting, and portfolio management. This position involves evaluating loan applications, managing credit policies, mitigating risks, and coordinating with internal teams. The role demands expertise in financial analysis and compliance with regulatory frameworks.

Responsibilities

• Conduct thorough assessments of loan requests by reviewing financial records, credit histories, and applicant data to determine creditworthiness and risk levels.
• Approve or decline credit files according to established policies, maintaining detailed documentation and monitoring exceptions.
• Develop and revise credit policies and risk management frameworks to address fraud, risk patterns, and vulnerabilities, ensuring adherence to RBI and NBFC guidelines.
• Manage the loan portfolio by tracking performance, delinquency rates, and asset quality, recommending corrective actions to reduce non-performing assets (NPAs).
• Collaborate with Sales, Operations, Legal, Recovery, and Technology teams to improve credit processes, eligibility criteria, and risk evaluation tools.
• Prepare and present Management Information System (MIS) reports covering approval statistics, fraud incidents, and portfolio risk metrics to senior leadership.
• Lead and train credit assessment teams, ensuring timely processing and compliance with turnaround times.

Qualifications and Requirements

• Bachelor’s degree in Finance, Commerce, Business, or a related discipline; MBA preferred.
• Between 6 months to 1 year of professional experience in credit underwriting within NBFC, banking, or fintech sectors.
• Proven skills in financial statement analysis, risk assessment, and credit evaluation techniques.
• Good knowledge of compliance standards, KYC procedures, and regulations governing lending by RBI/NBFC.
• Advanced proficiency in Microsoft Excel and MIS report generation.

Additional Information

Interested applicants are encouraged to submit their resumes to hr@easymoneys.in.