Job Description

Designation: Credit Manager

Location: Tumkur, Karnataka

About InCred:

InCred is a new-age financial services platform that leverages technology and data-science to make lending quick and easy. At InCred, we have simplified the lending process with a sharp focus on serving our borrowers’ unique needs and circumstances – offering our customers a truly superior borrowing experience. To know more about us, do visit our website- www.incred.com.

Credit Manager responsibilities include creating credit scoring models, setting loan terms and determining interest rates. He/She will be responsible for evaluating the creditworthiness of potential customers, creating credit scoring models, approving and rejecting loans, negotiating payment terms, and updating the company’s credit policy.

Job description:

 Evaluating the creditworthiness of potential customers.

 Creating credit scoring models for risk assessments.

 Approving and rejecting loans based on available data.

 Calculating and setting loan interest rates.

 Negotiating the terms of the loan with new clients.

 Ensuring all loans and lending procedures comply with regulations.

 Maintaining records of all company loans.

 Monitoring loan payments and bad debts.

 Reviewing and updating the company’s credit policy.

 Credit Manager Requirements:

 Bachelor’s degree in accounting, business administration, finance, or a similar field.

 Proven work experience as a credit manager.

 Advanced knowledge of accounting software.

 Good understanding of lending procedures.

 Advanced mathematical skills.

 Excellent analytical skills.

Candidate Profile:

 Graduation is mandatory.

 Proven work experience as a Credit Manager, Credit Analyst, or similar role

 Excellent analytical skills.

 Good communication skills.

 Good interpersonal skills