Job Description

Job Title: Credit Manager
Department: Credit & Risk Management
Location: Gurugram
Reports to: Head of Credit / Senior Credit Manager
Job Summary
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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 organization’s credit policy and regulatory standards.
Legal Coordination: Work with legal teams to ensure documentation accuracy, including loan agreements and security documents.
Decision Making: Prepare Cred...

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