Assistant Credit Manager Job in Hisar at Sammaan Capital Ltd

Key Responsibilities:

• Evaluate and approve credit applications within the assigned credit limits.
• Conduct detailed financial analysis of prospective clients, including reviewing financial statements and credit reports.
• Assist in setting appropriate credit limits for customers based on their risk profile.
• Monitor accounts to identify overdue payments and manage collection processes.
• Maintain and update the company’s credit database.
• Proactively identify and mitigate potential credit risks.
• Ensure compliance with the company’s credit policies and procedures.
• Assist in refining credit policies to align with business needs and regulatory requirements.
• Prepare periodic credit risk reports for senior management.
• Document all credit-related decisions and maintain accurate records of customer interactions.
• Work closely with sales, finance, and legal teams to ensure seamless credit operations.
• Provide training and guidance to junior staff in credit management processes.
• Maintain strong relationships with key customers while ensuring payment obligations are met.
• Address credit-related queries and disputes in a timely and professional manner.

Qualifications and Skills:

• Proficiency in financial analysis tools and software.
• Strong knowledge of credit policies, risk assessment, and regulatory requirements.
• Strong analytical and problem-solving skills.
• Excellent communication and negotiation abilities.
• Attention to detail and organizational skills.

The company has a balance sheet size of ₹ 0.96 trillion as on 30th September, 2020. The company has serviced more than 1 million happy customers and cumulatively disbursed loans of over ₹ 2.77 trillion. It is has a strong nationwide presence and continues to reach out further with eHome Loans – India’s first completely online home loan fulfilment platform.