Credit Manager - Retail Assets

We are seeking a detail-oriented and experienced Credit Manager Retail Assets to evaluate and manage credit risk for our retail loan portfolio, including products such as personal loans, auto loans, home loans, and credit cards. The ideal candidate will be responsible for assessing creditworthiness, ensuring adherence to credit policy, and supporting business growth while minimizing risk exposure.

Credit Assessment: Evaluate retail loan applications based on creditworthiness, repayment capacity, and compliance with internal credit policies.Underwriting: Perform detailed financial analysis of borrowers and recommend credit decisions within delegated authority limits.Risk Management: Identify potential credit risks in proposals and suggest risk mitigants; ensure portfolio quality through periodic reviews.Policy Adherence: Ensure compliance with internal credit policies, regulatory guidelines, and audit recommendations.Process Improvement: Collaborate with sales, operations, and risk teams to streamline credit approval processes and improve turnaround time.Team Collaboration: Guide junior credit officers, ensure consistency in underwriting decisions, and contribute to skill development.MIS & Reporting: Prepare periodic reports on portfolio performance, delinquency trends, and policy deviations.Coordination: Liaise with legal, technical, and verification agencies to ensure accuracy and reliability of documentation and field checks.Company DescriptionWorkassist is an online recruitment and employment solution platform based in Lucknow, India. We provide relevant profiles to employers and connect job seekers with the best opportunities across various industries. With a network of over 10,000 recruiters, we help employers recruit talented individuals from sectors such as Banking & Finance, Consulting, Sales & Marketing, HR, IT, Operations, and Legal.We have adapted to the new normal and strive to provide a seamless job search experience for job seekers worldwide. Our goal is to enhance the job seeking experience by leveraging technology and matching job seekers with the right employers.For a seamless job search experience, visit our website: https://bit.ly/3QBfBU2(Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well).So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, dont hesitate to apply today. We are waiting for you! .