Credit Manager, Unsecured Lending (Business loan)

<p><strong>Company Overview</strong></p><p><br></p><p>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.</p><p><br></p><p><strong>Job Overview</strong></p><p><br></p><p>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.</p><p><br></p><p><strong>Qualifications and Skills</strong></p><p><br></p><ul><li>Minimum Bachelor's degree in Finance, Economics, or a related field</li><li>4 to 6 years of experience in credit analysis and lending</li><li>Knowledge of unsecured lending products and underwriting principles</li><li>Strong analytical skills and ability to interpret financial statements</li><li>Excellent communication and interpersonal skills</li><li>Ability to make sound lending decisions in a fast-paced environment</li><li>Proficiency in Microsoft Office suite and other financial analysis tools</li></ul><p><br></p><p><strong>Roles and Responsibilities</strong></p><p><br></p><ul><li>Analyze credit worthiness of business loan applicants based on financial statements, credit history, and industry analysis</li><li>Make lending decisions based on established policies and credit risk assessment</li><li>Manage the unsecured lending portfolio, including monitoring and mitigating credit risk</li><li>Work closely with the sales team to ensure that credit decisions are aligned with business objectives</li><li>Collaborate with internal teams to streamline lending processes and improve overall portfolio performance</li><li>Stay informed about market trends and regulatory changes that may impact lending decisions</li><li>Provide guidance and support to junior credit analysts in the team</li></ul><p><br></p><p><br></p><p><br></p><p><br></p>