Job Description

Position: Credit Manager - (Unsecured Business Loan)

Company: Maxemo Capital - NBFC

Job Summary:

The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and implementing risk mitigation strategies. The Credit Manager will work closely with the sales and underwriting teams to ensure that lending decisions align with the company's risk appetite and regulatory compliance.

Key Responsibilities:

Credit Assessment:CAM Preparation

Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data. Utilize credit scoring models and risk assessment tools to make informed lending decisions.

Underwriting:

Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower. Collaborate with the underwriting team to ensure accurate and timely processing of loan applications.

Credit Policy Development:

Contribute to the development and refinement of the company's credit policies and guidelines. Ensure that lending practices adhere to regulatory requirements and industry best practices.

Risk Mitigation:

Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests.

Portfolio Management:

Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults. Conduct periodic reviews of client financials to assess ongoing creditworthiness.

Relationship Management:

Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms.

Compliance and Reporting:

Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary. Generate and analyse credit-related reports to support decision-making and risk assessment.

Physical PDs

Qualifications:

8-12 Years of Experience Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous. Proven experience in credit analysis and risk management within an

NBFC or financial institution

, with a focus on working capital lending(Business loan, OD, CC Limits etc) Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors. Should have own vehicle for physical PDs

Location- Netaji Subhash Place, Delhi

Job Type: Full-time

Pay: ₹600,000.00 - ₹1,000,000.00 per year

Application Question(s):

What is your notice period? How many years of experience you have in Unsecured business loans? Do you have own vehicle for physical PDs?
Work Location: In person