Digital Credit Manager

Job description

**Role & responsibilities** - Assess and evaluate loan applications for individuals, SMEs, or corporate clients. - Conduct risk assessments and recommend approval, rejection, or modification of credit proposals. - Ensure compliance with bank credit policies, RBI guidelines, and regulatory requirements. - Coordinate with relationship managers, legal teams, and recovery departments. - Prepare credit appraisal notes and risk rating reports. - Maintain portfolio quality and reduce non-performing assets (NPAs). - Review collateral/security documentation and valuation reports. - Support audits and maintain accurate credit records. **Preferred candidate profile** - Strong financial analysis and risk assessment skills - Knowledge of banking regulations and lending practices - Credit underwriting and portfolio management - Attention to detail and analytical thinking