Area Credit Manager/ Cluster credit manager

Profile

AREA CREDIT MANAGER
Minimum 6 to 8 yrs of experience in credit
Salary 5 LPA to 7 LPA
Number of position : 4
kannada, telugu, tamil, marathi
preferred :- Immediate Joiner
Location :- Bangalore
CLUSTER CREDIT MANAGER
Minimum :- 4 TO 6 yrs of experience in credit
Salary :- 4 LPA to 5.5 LPA
Number of position : 4
kannada, telugu, tamil, marathi
preferred :- Immediate Joiner
Location :- Bangalore
Credit Manager responsibilities include:
Researching and evaluating clients creditworthiness
Creating credit scoring models to predict risks
Approving or rejecting loan requests, based on credibility and potential revenues and losses
Job brief
We are looking for a Credit Manager to oversee our companys lending process, from evaluating clients creditworthiness to approving or rejecting loan requests.
Credit Manager responsibilities include creating credit scoring models, setting loan terms and determining interest rates. To be successful in this role, you should have a degree in Accounting or Finance along with experience processing loan applications. Previous banking experience is a plus.Ultimately, you will help us minimize bad debts and increase revenues from loans.
Responsibilities
Research and evaluate clients creditworthiness
Create credit scoring models to predict risks
Approve or reject loan requests, based on credibility and potential revenues and losses
Calculate and set interest rates
Negotiate loan terms with clients
Monitor payments
Maintain records of loan applications
Follow up with clients to manage debt settlements and loan renewals
Ensure all lending procedures comply with regulations
Develop, review and update our companys credit policies
Requirements and skills
Proven work experience as a Credit Manager, Credit Analyst
or similar role
Hands-on experience with accounting software
Solid understanding of lending procedures
Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)
Negotiation skills
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