Deputy Manager / Manager - Credit

Job Description: About The Role As the Manager you will play a crucial role in managing and overseeing the credit operations and processes of the organization. You will be responsible for assessing the creditworthiness of individuals and businesses, evaluating loan applications, managing credit risk, and ensuring compliance with relevant regulations and internal policies. You will work closely with other Credit Manager and other cross-functional teams to optimize credit operations and contribute to the overall growth and success of the company. Some high level things you would own but not limited to: You will evaluate creditworthiness of loan applicants through analysis of financial statements, credit scores, payment history, and other relevant factors.You will make informed decisions on loan applications based on the company's credit policies and risk tolerance.You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigation strategies - Credit Assessment and Decision MakingYou will oversee the end-to-end credit operations process, including loan application processing, documentation, and disbursement.You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensure smooth and efficient credit operations.You will develop and implement credit policies, procedures, and guidelines to enhance efficiency and maintain compliance - Credit Operations Management.You will monitor and manage the credit portfolio to identify early warning signs, trends, and potential areas of concern.You will perform periodic portfolio analysis to assess the performance of loans, identify patterns, and make recommendations for portfolio optimization.You will utilize data and analytics to generate insights and develop strategies for minimizing credit risk and improving portfolio quality - Portfolio Monitoring and Analysis.You will stay updated on relevant regulations, guidelines, and industry best practices related to credit and lending.You will ensure compliance with regulatory requirements and internal policies in all credit-related activities.You will collaborate with the Compliance and Legal teams to address any compliance issues and implement necessary controls - Compliance and Regulatory Adherence.You will provide guidance, training, and mentoring to credit team members to enhance their skills and performance.You will foster a collaborative and supportive work environment, promoting effective teamwork and knowledge sharing.You will conduct performance evaluations, set performance goals, and provide regular feedback to team members - Team Management and Development. What You Would Possess Already Bachelor's degree in finance, accounting, economics, or a related field. A master's degree or relevant professional certifications (such as CFA, FRM) would be a plus.Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.Proficiency in using credit analysis tools, financial software, and data analytics platforms.Excellent analytical and problem-solving skills with attention to detail.Strong communication and interpersonal skills to collaborate effectively with cross-functional teams, clients, and stakeholders.Ability to work in a fast-paced, dynamic environment and handle multiple priorities simultaneously.Strong leadership and team management abilities .