Credit Manager

Posted 15 Hours Ago
Be an Early Applicant
Gurugram, Haryana, IND
In-Office
Entry level
Financial Services
The Role
Manage post-disbursement loan servicing, including renewals, collateral releases, foreclosures, repayments, reconciliations, and account documentation. Ensure compliance with company policies, RBI guidelines, NBFC norms, KYC requirements, SOPs, and audit standards. Oversee customer query and escalation resolution, identify process gaps, coordinate across teams, and support technology integrations to automate servicing workflows.
Summary Generated by Built In
1. Loan Servicing & Post loan disbursement management
-Manage day-to-day loan servicing including loan enhancement, loan renewal, Partial release of collateral, foreclosure of loans.
-Ensure accurate data entry, validation, and documentation (KYC, bank details etc.) for all loan accounts.
-Monitor repayment and reconciliation of accounts.
-Ensure timely processing of customer requests & customer servicing team request such as loan rebook, renewal and loan statement.

2. Process & Compliance
-Ensure adherence to company policies, RBI guidelines, and internal audit standards.
-Implement and monitor SOPs for all servicing activities.
-Identify process gaps and design corrective actions to reduce errors and TAT

3. Customer Service & Escalation Handling
-Oversee resolution of customer queries related to loan accounts.
-Ensure timely response to escalations from city teams, CS teams & partner banks.

4. Cross-functional Coordination
-Coordinate with other teams for seamless loan lifecycle management.
-Support tech integrations for automation of servicing processes.

Requirements
-Strong knowledge of loan servicing (secured/unsecured) and workflows.
-Understanding of NBFC compliance norms, KYC, and data management.
-Analytical and process improvement
-Proficiency in MS Excel, loan management systems.
-Problem-solving skills.

Skills Required

  • Strong knowledge of secured and unsecured loan servicing and workflows
  • Understanding of NBFC compliance norms, KYC, and data management
  • Analytical and process improvement skills
  • Proficiency in MS Excel and loan management systems
  • Problem-solving skills
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The Company
Gurugram, Haryana
215 Employees
Year Founded: 2020

What We Do

Our mission is to empower our fellow citizens build a more predictable and secure future by effectively monetising their assets. indiagold has built a product & technology platform that enables regulated entities to launch or grow their asset backed products across geographies; without investing in operations, technology, people or taking any valuation, storage or transit risks. Our use of deep-tech is changing how asset backed loans have been done traditionally. Some examples of our innovation are - lending against digital gold, 100% paperless/digital loan onboarding process, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customer self-onboarding, gold locker model to expand TAM & launch zero-touch gold loans, zero network business app & many more. We are rapidly growing team passionate about solving massive challenges around financial well-being. We are a rapidly growing organisation with empowered opportunities across Sales, Business Development, Partnerships, Sales Operations, Credit, Pricing, Customer Service, Business Product, Design, Product, Engineering, People & Finance across several cities. We give our employees the tools and benefits they need to do their best work, in the way that’s best for them. We have a tax friendly compensation structure, collaborative culture, intraprenuership opportunities, a technology hub in UAE, comprehensive medical insurance policy and wealth creation opportunity through ESOPs. Moreover, indiagold has achieved a rare recognition from DIPP, Govt. of India, where ESOP holding employees won't have to pay taxes at the time of exercising. indiagold is also Great Place to Work Certified. This is a validation of our company values around high trust and high performance. We value the right aptitude & attitude than past experience in a related role, so feel free to reach out if you believe we can be good for each other.

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