Hiranandani Financial Services - Area Credit Manager

Responsibilities:

- Research and evaluate clients' creditworthiness

- Create credit scoring models to predict risks

- Approve or reject loan requests, based on credibility and potential revenues and losses

- Calculate and set interest rates

- Negotiate loan terms with clients

- Monitor payments

- Maintain records of loan applications

- Follow up with clients to manage debt settlements and loan renewals

- Ensure all lending procedures comply with regulations

- Develop, review and update our company's credit policies

Requirements and skills:

- Proven work experience as a Credit Manager, Credit Analyst or similar role

- Hands-on experience with accounting software

- Solid understanding of lending procedures

- Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)

- Negotiation skills