Job Description

Credit Manager/ Area Credit Manager- Unsecured business loans

The Company: Loan Frame

We are ambitious: There are over 60 million small businesses in India that do not have access to institutional credit and our goal is to turn this on its head. Small businesses are at the heart of the economy and unlocking much needed credit at the right price will help them accelerate growth, in turn creating new jobs, products, services and wealth. Our aim is to leverage cutting edge technologies and data to build the most sophisticated and trusted next generation small business lending platform.

We are funded by leading global venture capitalists who share in our vision to transform the small business lending sector in the Indian sub-continent

Loan Frame was recently adjudged winner in the category at the Financial Express' FE India's Best Banks Award

The Team:

The management team, investors and advisors helped build some of the most successful and iconic companies in India and globally. They come from backgrounds including experience with firms such as McKinsey, Visa, Mastercard, JP Morgan, Citigroup, American Express, Goldman Sachs, Blackrock, Macquarie, Accenture, BCG, HSBC, Copal Amba (Moody's), KPMG and educational institutions such as Harvard, Wharton, Kellogg, Princeton, MIT, IIM, IIT and ISB.

The Role:

- Analysis of financial statements and preparation of credit assessment memos for secured and unsecured SME loans including surrogate products

- Credit evaluation of borrower transaction history, underlying collateral, credit bureau, bank statement and other external data

- Preparing review and renewal credit reports for revisiting limits

- Personal discussions with customers & credit checks of applications as per policy

- Initiate and review legal and technical reports for MSME cases

- Suggest credit policies, credit lines, procedures and standards in conjunction with business

- Customer query resolution pertaining to sanction/disbursements

- Monitor loans on a continuous basis to ensure minimal delinquencies and NPA

- Constantly thinking of new ways to Leverage technology for faster credit evaluation

The Ideal Candidate

- 3+ years of experience in credit in a leading Bank/NBFC in the NCR region

- Prior secured and unsecured SME loan experience

- Understands balance sheets, profit and loss and cash flow statements thoroughly

- Thorough knowledge of all types collaterals - Legal and Technical

- Experience in risk and/or collections will be a plus

- Experience building a network of technical and legal service providers

- History of very low delinquencies and top performance

- Strong written and verbal communication skills

- Strong process oriented skills and a high degree of solution orientation and perseverance

- A Bachelor's degree from a recognized institution; CA will be preferred

Why Join Us : We offer a competitive salary and health insurance. You will get to be in the front seat of a fast paced, rapidly growing game changing fin tech company and team that is reshaping credit in India