- Minimum Bachelor's degree in Finance, Economics, or a related field
- 4 to 6 years of experience in credit analysis and lending
- Knowledge of unsecured lending products and underwriting principles
- Strong analytical skills and ability to interpret financial statements
- Excellent communication and interpersonal skills
- Ability to make sound lending decisions in a fast-paced environment
- Proficiency in Microsoft Office suite and other financial analysis tools
- Analyze credit worthiness of business loan applicants based on financial statements, credit history, and industry analysis
- Make lending decisions based on established policies and credit risk assessment
- Manage the unsecured lending portfolio, including monitoring and mitigating credit risk
- Work closely with the sales team to ensure that credit decisions are aligned with business objectives
- Collaborate with internal teams to streamline lending processes and improve overall portfolio performance
- Stay informed about market trends and regulatory changes that may impact lending decisions
- Provide guidance and support to junior credit analysts in the team
Credit Manager, Unsecured Lending - Kolkata, India - IIFL Finance
Description
Company Overview
At IIFL Finance, our services go beyond traditional loans and mortgages. We believe in creating a great customer experience with new, modern services crafted explicitly for modern financial needs. Having served retail and MSME customers for 20+ years, we now include Business Loan on WhatsApp and Gold Loan at Home in our evolving catalog of services. Being a service-driven company, our core values encompass convenience and flexibility of transactions for all our customers and stakeholders. We continue to remain India's most reputable financial services provider with a robust network of 2500 plus branches in over 500 cities. We offer a suite of services to suit all your financial needs, swearing by over 6 million happy customers nationwide.
Job Overview
We are seeking an experienced Credit Manager to join our team at IIFL Finance. As a Credit Manager, you will be responsible for managing the unsecured lending portfolio, specifically for business loans. This is a mid-level position requiring 4 to 6 years of experience in credit analysis and lending. The role is based in Kolkata, West Bengal, India and is a full-time position.
Qualifications and Skills
Roles and Responsibilities