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BAJAJ FINSERV HEALTH
Manager - CreditBAJAJ FINSERV HEALTH • Ranchi, India
Manager - Credit

Manager - Credit

BAJAJ FINSERV HEALTH • Ranchi, India
8 days ago
Job description

Location Name: Ranchi

Job Purpose

  • Risk Management for the company- Credit Managers play a critical role in managing risk. They assess the creditworthiness of potential customers and monitor existing clients,
  • Compliance- Ensure compliance with relevant laws and regulations. They must stay informed about legal requirements related to credit lending and ensure that the organization adheres to them.
  • Financial Growth- Credit Managers contribute to the financial growth of the organization. By making informed decisions about credit limits, terms, and conditions, they help facilitate sales while minimizing bad debt losses.
  • Credit Policies and Procedures- They are responsible for implementing and maintaining consistent credit policies. This includes periodic credit reviews of existing customers and assessing the creditworthiness of potential clients.

Duties And Responsibilities


  • Evaluate potential customers' creditworthiness
  • Evaluate & reduce the credit risk
  • Approve and reject loans through the available data
  • Review and update the company's credit policy and monitor loan payments and bad debts.
  • Play a vital role in maintaining financial stability through effective credit risk management and debt collection strategies.
  • Require a combination of hard skills such as financial analysis and soft skills like communication and negotiation to excel in their role
  • Controlling the overall credit exposure of the company can be complex & closely monitor accounts receivable and assess the creditworthiness of customers.
  • Analyzing financial statements, credit reports, and payment histories to gauge risk levels.
  • Ensuring compliance with credit policies
  • Making informed decisions based on financial regulations and company policies.
  • Utilizing technology and staying updated on industry trends also contribute to their effectiveness

Required Qualifications And Experience


Graduate/Post Graduate/MBA with minumum expserience of 1-3 Yrs in credit underwriting, specifically having knowledge of tractor underwriting.
Skills Required
Compliance, Credit Reports, Credit Risk Management, Credit Underwriting, Financial Analysis

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Manager - Credit • Ranchi, India

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