Profile Overview
As the Sr. Credit Manager, you will be responsible for credit assessment, monitoring & managing the unsecured lending portfolio, specifically unsecured MSME business loans, Supply chain finance etc. This is a senior-level position and will report directly to the Head of Credit

• Experience: 7-10 Years
• Qualification: Chartered Accountant
• Job location: Jaipur
• Employment Type: Full-Time

What will you bring to 121 Finance?

• Over 7+ year’s experience in assessing lending risk/underwriting at NBFCs, Banks and FinTech/Consumer tech startup
• In-depth knowledge of credit analysis, risk assessment, and lending procedures
• Expertise in unsecured lending products
• Proficient in Cash flow-based underwriting
• Demonstrated strong analytical capabilities in interpreting financial statements and determining creditworthiness
• Prior Experience in SCF/Factoring, Trade Finance & other structured lending will be a key advantage

Your Job Role at 121 Finance

• Conduct detailed research on the financial histories of businesses and individuals to determine client’s creditworthiness based on financial statements, credit history, and industry analysis
• Managing & monitoring the credit portfolio to mitigate risks, minimize delinquencies, and optimize the quality of the portfolio
• Evaluation of credit applications, including detailed financial analysis, credit scoring, and risk assessment.
• Provide guidance, mentorship, and direction to the credit team, fostering a collaborative and high-performing culture.
• Detect early signs of distress in any account by continuous monitoring, both external and internal reports/triggers
• Make credit decisions including approvals, denials, and limit recommendations, while ensuring compliance with company policies and external regulations
• Develop and enhance credit policies, to ensure alignment with industry best practices and regulatory requirements
• Stay updated on market trends and regulatory changes that may impact lending decisions
• Provide guidance and supervision to the junior credit team
• Collaborate with other departments, such as Business Development and Operations, to ensure seamless communication and alignment with business goals