Credit Manager

Job Title: Credit Manager Department: Finance Location: Bangalore 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 Credit Appraisal Memos (CAM) and present recommendations for approval to the Credit Committee. Credit Partnerships: Manage current partnerships and stitch new ones with NBFCs, Banks, Lending partners, Fintechs to cater to vast credit requirements of customers Required Qualifications & Skills Academic Background: Chartered Accountant (CA) is highly preferred; alternatively, an MBA in Finance or both. Experience: Minimum 8 years of work experience in credit management, specifically in NBFCs, Banks, Financial Consulting firms, or Law firms focusing on corporate lending. Product Knowledge: Mandatory experience in credit assessment, lending, loan disbursement, Invoice Discounting and Factoring. Analytical Skills: Strong ability to interpret complex financial data, calculate key ratios (DSCR, LTV, FOIR), and perform forensic analysis of bank statements. Software Proficiency: Hands-on experience with financial modelling in MS Excel and exposure to ERP/CRM systems.