Posting Title: Area Credit Manager
Industry: Financial Services
Salary: ₹5+ Lac
Work Experience: 3-5 years
Summary:
The Area Credit Manager plays a critical role within
the financial services operations team, serving as a key liaison between
internal departments and external lending partners. This position ensures the
seamless flow of loan documentation, compliance adherence, and operational efficiency
across the lending lifecycle. The ideal candidate will be detail-oriented,
proactive, and highly organized, with a strong aptitude for managing complex
workflows and maintaining accurate records. By optimizing processes, enforcing
SOPs, and generating timely MIS reports, the Area Credit Manager contributes
directly to reducing turnaround time, minimizing risk, and enhancing overall
service delivery. This role is essential in maintaining regulatory compliance
and supporting scalable lending operations in a fast-paced financial
environment.
Responsibilities:
- Coordinate end-to-end documentation collection and
verification for loan applications from borrowers and lenders.
- Maintain and update centralized digital and physical
documentation repositories with strict version control and audit
trails.
- Ensure all loan-related processes comply with internal
policies, regulatory standards, and lender-specific requirements.
- Monitor and manage the status of loan files across
various stages, identifying bottlenecks and escalating delays
proactively.
- Implement and refine workflow processes to improve
efficiency, reduce redundancy, and support scalability.
- Develop, maintain, and enforce Standard Operating
Procedures (SOPs) for documentation handling, compliance checks, and
inter-departmental coordination.
- Generate regular MIS reports on loan processing
timelines, document status, compliance adherence, and operational KPIs for
management review.
- Collaborate with underwriting, credit, legal, and
customer service teams to resolve documentation discrepancies and expedite
approvals.
- Conduct periodic audits of documentation and process
adherence to ensure accuracy and compliance.
- Support lender onboarding, contract management, and
periodic review of lender agreements and SLAs.
Requirements
- Bachelor’s degree in Finance, Business Administration, Commerce, or a related field.
- 3–5 years of experience in operations, compliance, or documentation management within financial services or lending institutions.
- Proven ability in problem solving with a track record of resolving operational bottlenecks and improving process efficiency.
- Strong proficiency in documentation management systems, MS Office (Excel, Word, PowerPoint), and data entry accuracy.
- Experience with compliance management frameworks and regulatory requirements relevant to lending (e.g., RBI guidelines, KYC/AML).
- Demonstrated skills in process management, workflow optimization, and SOP development.
- Ability to generate and interpret MIS reports for operational insights and decision-making.
- Excellent organizational, time management, and multitasking abilities in a high-volume environment.
- Strong communication and interpersonal skills with the ability to coordinate across cross-functional teams.
- Familiarity with CRM or loan origination systems (LOS) is a plus.
Benefits
- Competitive salary based on experience and performance
- Performance-based incentives and bonuses
- Flexible work hours and remote work options
- Comprehensive training and career development programs
- Health insurance and wellness benefits
- Employee referral program
- Paid leave and holidays as per company policy
- Opportunity for growth within a scalable financial services organization
Skills Required
- Bachelor's degree in Finance, Business Administration, Commerce, or a related field
- 3-5 years of experience in operations, compliance, or documentation management within financial services or lending institutions
- Proven problem-solving ability and experience resolving operational bottlenecks and improving process efficiency
- Proficiency in documentation management systems, MS Office, and accurate data entry
- Experience with lending compliance frameworks and regulatory requirements, including RBI guidelines and KYC/AML
- Skills in process management, workflow optimization, and SOP development
- Ability to generate and interpret MIS reports
- Strong organizational, time management, and multitasking abilities
- Strong communication and interpersonal skills for cross-functional coordination
- Familiarity with CRM or loan origination systems
What We Do
Finseich is an Indian financial-services company that helps schools, SMEs, warehouses, hospitals, vendors, and other businesses access sensible, structured capital. It works with clients to understand their operations and design practical financing facilities, including school infrastructure loans, SME working-capital finance, corporate term and growth loans, vendor and invoice financing, and receivables-backed solutions, while supporting loan enablement and financial advisory for growing institutions and enterprises.
