Credit Manager ( AP & TS

Credit Manager-LAP-JD

About Credit Saison

• Established in 2019, CS India is one of the countrys fastest growing Non-Bank
• Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and
• tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and
• fintechs. Its tech-enabled model coupled with underwriting capability facilitates
• lending at scale, meeting Indias huge gap for credit, especially with underserved
• and under penetrated segments of the population.
• Credit Saison India is committed to growing as a lender and evolving its offerings
• in India for the long-term for MSMEs, households, individuals and more. CS India
• is registered with the Reserve Bank of India (RBI) and has an AAA rating from
• CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a
• branch network of 45 physical offices, 1.2 million active loans, an AUM of over
• US$1.5B and an employee base of about 1,000 people.
• Credit Saison India (CS India) is part of Saison International, a global financial
• company with a mission to bring people, partners and technology together,
• creating resilient and innovative financial solutions for positive impact. Across its
• business arms of lending and corporate venture capital, Saison International is
• committed to being a transformative partner in creating opportunities and enabling
• the dreams of people. Based in Singapore, over 1,000 employees work across
• Saisons global operations spanning Singapore, India, Indonesia, Thailand,
• Vietnam, Mexico, Brazil.
• Saison International is the international headquarters (IHQ) of Credit Saison
• Company Limited, founded in 1951 and one of Japans largest lending
• conglomerates with over 70 years of history and listed on the Tokyo Stock
• Exchange. The Company has evolved from a credit-card issuer to a diversified
• financial services provider across payments, leasing, finance, real estate and
• entertainment.
• More about us on https://www.creditsaison.in

• Performing assessment duties within the defined risk philosophy of the

• Credit appraisal of loan applications within the defined policy guidelines and

accordingly take decision or recommend for approval to higher authorities

• Ensuring due diligence in credit analysis, customer application screening,

evaluation, underwriting and sanctioning of loans

• Interact with customers and co-lending partners to regularly monitor

delinquencies and early warning triggers

• Work closely and collaborate with the teams of Business development,

Tech,

Product and Operations & support on offering innovative products

• Working in sync with the data analytics team to proactively contribute

towards

real time calibration of credit policies

• Delivering quality portfolio along within defined TAT and extending support

for

collection activities whenever required

• Promoting the culture of team work within the team
• Monitoring and ownership of a complete product portfolio amongst different

products/partnerships we may work with. Monthly analysis of parameters

like

• customer base, industry/ segment profile , loan average ticket size and

tenure; if are within the decided norms

• Keep a close eye on market and economic developments relevant for our
• business and share the learnings within the team
• Active participation in special projects that may be assigned from time to

Eligibility Criteria

• Candidates should have 4+ years of experience in Credit with good

communication skills and digital orientation.

• Qualification : graduation/ post-graduation in any field
• Experience of handling secured products (Small Ticket LAP) will be an