Senior Credit Manager (unsecured Business)
- Oracle
- 7 to 11 Yrs
- Jaipur
- 7 days ago
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Job Description
- We are seeking a highly skilled and experienced credit risk professional with excellent communication and interpersonal skills who will be joining a dynamic and fast-paced environment. ABOUT 121 FINANCE We are the largest new age NBFC-Factor in the country, certified by RBI in 2022, based out of Jaipur and providing customized Working Capital solutions, like Factoring, Purchase Finance etc. Our technology stack has enabled us to deliver these solutions to borrowers across India. Professionally managed, we are an equal opportunity provider and offer excellent growth prospects. PROFILE OVERVIEW As the Sr. Credit Manager, you will be responsible for credit assessment, monitoring & managing the unsecured lending portfolio, specifically unsecured MSME business loans, Supply chain finance etc. This is a senior-level position and will report directly to the Head of Credit EXPERIENCE: 7-10 Years QUALIFICATION: Chartered Accountant JOB LOCATION: Jaipur EMPLOYMENT TYPE: Full- Time WHAT WILL YOU BRING TO 121 FINANCE Over 7+ year's experience in assessing lending risk/underwriting at NBFCs, Banks and FinTech/Consumer tech startup In-depth knowledge of credit analysis, risk assessment, and lending procedures Expertise in unsecured lending products Proficient in Cash flow-based underwriting Demonstrated strong analytical capabilities in interpreting financial statements and determining creditworthiness Prior Experience in SCF/Factoring, Trade Finance & other structured lending will be a key advantage YOUR JOB ROLE AT 121 FINANCE Conduct detailed research on the financial histories of businesses and individuals to determine clients creditworthiness based on financial statements, credit history, and industry analysis Managing & monitoring the credit portfolio to mitigate risks, minimize delinquencies, and optimize the quality of the portfolio Evaluation of credit applications, including detailed financial analysis, credit scoring, and risk assessment. Provide guidance, mentorship, and direction to the credit team, fostering a collaborative and high-performing culture. Detect early signs of distress in any account by continuous monitoring, both external and internal reports/triggers Make credit decisions including approvals, denials, and limit recommendations, while ensuring compliance with company policies and external regulations Develop and enhance credit policies, to ensure alignment with industry best practices and regulatory requirements Stay updated on market trends and regulatory changes that may impact lending decisions Provide guidance and supervision to the junior credit team Collaborate with other departments, such as Business Development and Operations, to ensure seamless communication and alignment with business goals,
Employement Category:
Employement Type: Full timeIndustry: BFSI
Role Category: Not Specified
Functional Area: Not Specified
Role/Responsibilies: Senior Credit Manager (unsecured Business)
Contact Details:
Company: 121 Finance Pvt. Ltd.Location(s): Jaipur
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Keyskills: Credit assessment Risk assessment Financial analysis Credit scoring Business communication Market trends analysis
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