Job Description

Role & responsib Job Title: Credit Manager Unsecured Business Loans Company: Sampathi Credits Pvt. Ltd. Location: Chennai, Tamil Nadu Industry: NBFC – Financial Services Experience: Minimum 3 years in Credit/Risk assessment (Unsecured Business/Retail/MSME Loans) About the Company: Sampathi Credits Pvt. Ltd. is a fast-growing Non-Banking Financial Company (NBFC) focused on empowering small businesses and entrepreneurs through accessible and innovative credit solutions. Our core mission is to bridge the credit gap by providing unsecured business loans tailored to the unique needs of MSMEs and emerging enterprises. As we continue our expansion across Chennai, we are seeking a skilled and driven Credit Manager to join our dynamic team. Key Responsibilities: Evaluate and approve unsecured business loan applications based on financial data, cash flow analysis, and risk parameters. Perform thorough credit assessments of individuals and businesses, ensuring sound lending decisions aligned with company policies. Analyze applicant financial statements, credit bureau reports, and business performance to assess creditworthiness. Monitor portfolio quality and conduct periodic reviews to identify early warning signals and mitigate risks. Work closely with the sales and collections teams to ensure timely disbursal and effective risk mitigation. Maintain documentation and ensure compliance with internal credit policies and regulatory norms. Use credit scoring models and tailor underwriting practices to balance risk and business growth. Recommend and implement credit policy enhancements based on market trends and portfolio performance. Requirements: Experience: Minimum 3 years in credit assessment for unsecured loans (Retail/MSME preferred). Industry Background: Banking, NBFC, Microfinance, or other lending institutions. Education: Bachelor's degree in Finance, Accounting, Business, or related field (MBA/CA is a plus). Strong knowledge of lending procedures, credit policies, and risk management practices. Proficient in analyzing financial statements, bank statements, and credit reports. Excellent analytical, communication, and decision-making skills. Must be based in Chennai or willing to relocate. Why Join Us? Be part of a high-growth NBFC committed to financial inclusion. Opportunity to shape and influence credit policy in a dynamic lending environment. Competitive salary and career advancement opportunities. ilities Preferred candidate profile