Credit Manager -Unsecured Business Loans at Abacus… · Bengaluru

Role Overview:

The Credit Manager will be responsible for assessing, evaluating, and approving unsecured business loan proposals. The role involves maintaining portfolio quality, ensuring compliance with credit policies, and supporting business growth while mitigating risks.

Key Responsibilities:
• Evaluate creditworthiness of applicants by analyzing financial statements, income documents, and other relevant data.
• Conduct due diligence and background checks to assess customer risk.
• Ensure adherence to credit policies, regulatory guidelines, and internal processes.
• Approve or recommend credit applications within delegated authority limits.
• Maintain portfolio quality by monitoring loan accounts and identifying early warning signals.
• Collaborate with Sales, Operations, and Risk teams to ensure smooth processing of applications.
• Prepare and present credit proposals to senior management/credit committees as required.
• Regularly review market trends, industry insights, and competitor offerings.
• Ensure compliance with audit requirements and maintain accurate documentation.

Key Skills & Competencies:
• Strong knowledge of unsecured business loans and SME lending.
• Ability to analyze financial statements, ratios, and cash flows.
• Sound understanding of credit underwriting, policies, and regulatory norms.
• Excellent decision-making and risk assessment skills.
• Strong communication and interpersonal skills.
• Proficiency in MS Excel and financial modeling tools.