Job Description

Job Title:

Senior Credit Officer

Location:

Ahmedabad

Salary:

?25,000 - ?30,000 CTC (depending on experience)

Company Overview:

Khushbu Auto Finance Ltd. (KAFL)

is a Non-Banking Financial Company (NBFC) specializing in vehicle finance, particularly for two- and three-wheelers. Incorporated in 1994, KAFL is a wholly-owned subsidiary of

Atul Auto Limited (AAL)

-- a leading three-wheeler manufacturer. With its corporate office in

Rajkot, Gujarat

, KAFL has been registered with the

Reserve Bank of India (RBI)

since 1999 and operates as the

captive financing arm for Atul Auto Ltd.

The company has a strong network of over

100 branches across 14 states

, with a strong presence in Gujarat and Bihar.

:

We are looking for an experienced and detail-oriented

Senior Credit Officer

to join our team in Ahmedabad. The ideal candidate will play a key role in evaluating credit proposals, assessing financial risk, and ensuring high-quality credit decisions aligned with company policies.

Key Responsibilities:

Assess and analyze creditworthiness of loan applicants for two- and three-wheeler financing. Evaluate customer financials, CIBIL reports, and field investigation reports. Approve/recommend loans as per defined credit policy and risk appetite. Maintain TAT and accuracy in credit appraisal and decision-making. Guide and support junior credit officers and coordinate with sales & operations teams. Identify potential risks and suggest improvements to credit processes. Ensure compliance with company and RBI norms.

Qualifications & Skills:

Graduate / MBA in Finance or related field. Minimum

2-4 years of experience

in credit or loan processing (preferably in NBFC/vehicle finance). Strong analytical and decision-making skills. Good communication and documentation ability. Proficiency in MS Excel and credit evaluation tools.
Job Types: Full-time, Permanent

Pay: ₹25,000.00 - ₹30,000.00 per month

Benefits:

Health insurance Provident Fund
Work Location: In person