Credit Manager

Job Title: Credit Manager

Department:

Credit & Risk Management Location:

Gurugram Reports to:

Head of Credit / Senior Credit Manager

Job Summary .

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.

Required Qualifications & Skills Academic Background:

Chartered Accountant (CA)

is highly preferred; alternatively, an MBA in Finance. Experience:

Minimum

2 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 Invoice Discounting or

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.