Credit Manager / Senior Credit Manager

About Company

A leading RBI-registered NBFC that provides customized debt solutions and financing to mid-market enterprises and MSMEs across India.

Job Description

Key Responsibilities

• Independently prepare comprehensive credit assessments covering macro-overview, industry/sector, competitor, business, financial, and credit analysis through desk review and on-field diligence.
• Continuously monitor allocated portfolio clients and prepare detailed proposal notes for internal circulation.
• Engage with clients’ senior management and present their credit profiles to internal teams and the Credit Committee.
• Collaborate with the sales team, account relationship team, and other departments for new sourcing, renewals, and reviews.
• Identify early warning signs of credit deterioration and conduct joint monitoring of portfolio with account relationship teams.
• Form and suggest a course of action regarding client exposures.
• Contribute to firm-wide projects focused on technology improvement, reporting enhancement, and regulatory compliance.

Candidate Requirements

• CA or MBA with minimum 1+ years of relevant credit assessment experience in corporates.
• Experience in structured credit/lending or portfolio/credit monitoring within Banks, NBFCs, PE funds, Debt funds, or Rating agencies.
• Background in due diligence or transaction advisory.
• Strong numerical and analytical skills for financial statement analysis and problem-solving in credit underwriting.
• Excellent report writing and communication skills.
• Detail-oriented with ability to manage work under tight timelines.
• Willingness to travel extensively across India for on-field client monitoring.
• Capability to work proactively and independently as well as within teams.
• Deadline-driven, organized, and responsible with a high attention to detail.
• Proficiency in MS Word, Excel, and PowerPoint.

Mandatory Requirement

Primary Job Profile : Credit

Technical Skills : Credit underwriting, Due diligence

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