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

• 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

Roles and Responsibilities

• 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