Credit Manager

The Credit Manager is responsible for the overarching health of the credit portfolio. This role moves beyond individual assessments to leading the strategic direction of credit risk, ensuring robust DPD (Days Past Due) management, and overseeing the end-to-end credit lifecycle. The position bridges the gap between high-level compliance frameworks and granular risk monitoring within the non-banking financial services industry. Essential Duties and Responsibilities: Assess creditworthiness of prospective and existing clients using financial analysis, credit scoring, and risk assessment models. Approve or recommend credit limits and terms in line with delegated authority and company credit policy. Monitor portfolio performance, including DPD buckets, roll-forward/roll-back trends, and early warning signals. Collaborate with Collections on NPA management and ensure appropriate provisioning as per regulatory and internal norms. Conduct stress testing and sectoral risk analysis to assess portfolio vulnerability to economic or market shifts. Design, review, and update credit risk frameworks, policies, and procedures to ensure regulatory compliance.

Standardize, document, and automate credit processes to improve efficiency and control consistency across teams. Ensure end-to-end credit lifecycle compliance—from onboarding to closure—with NBFC regulations and ethical standards. Act as the key liaison for internal and external credit audits, ensuring all processes and documentation remain audit-read