Job Title: Credit Manager

Department: Credit & Risk Management

Location: Gurugram

Reports to: Head of Credit / Senior Credit Manager

Job Summary

Key Responsibilities

Credit Underwriting & Appraisal: Conduct detailed credit evaluations of corporate and MSME clients by analysing financial statements, cash flow consistency, and GST filings.
Specialized Product Assessment: Perform risk assessments specifically for Invoice Discounting and Factoring, evaluating the quality of underlying debtors and verifying invoices.
Portfolio Monitoring: Monitor the existing credit portfolio to detect early warning signals (EWS) of distress and manage Days Sales Outstanding (DSO).
Policy Compliance: Ensure all loan proposals comply with the organizations credit policy and regulatory standards.
Legal Coordination: Work with legal teams to ensure documentation accuracy, including loan agreements and security documents.
Decision Making: Prepare Credit Appraisal Memos (CAM) and present recommendations for approval to the Credit Committee.

Required Qualifications & Skills

Academic Background: Chartered Accountant (CA) is highly preferred; alternatively, an MBA in Finance.
Experience: Minimum 2 years of work experience in credit management, specifically in NBFCs, Banks, Financial Consulting firms, or Law firms focusing on corporate lending.
Product Knowledge: Mandatory experience in Invoice Discounting or Factoring.
Analytical Skills: Strong ability to interpret complex financial data, calculate key ratios (DSCR, LTV, FOIR), and perform forensic analysis of bank statements.
Software Proficiency: Hands-on experience with financial modelling in MS Excel and exposure to ERP/CRM systems.

Credit Manager