Credit And Operations

Company Description Saarathi Finance is a registered NBFC focused on expanding access to capital for small business owners and MSMEs across India. The organization provides secured and unsecured business loans with quick processing, minimal documentation, and flexible repayment options designed for real-world business needs. With a pan-India presence and doorstep service in Tier 2 and Tier 3 towns, Saarathi Finance aims to meet customers where they are. The company is committed to offering not just funding, but supportive guidance delivered with care and clarity. Saarathi Finance is building long-term impact by helping businesses grow sustainably, one enterprise at a time.

Role Description This is a full-time, on-site role based in Visakhapatnam for a Credit and Operations professional. The role involves evaluating credit applications, analyzing financial and business information, and making recommendations in line with company credit policies and risk frameworks. The team member will manage end-to-end loan processing, including documentation checks, coordination with field teams, and ensuring timely disbursement and post-disbursement follow-up. Daily responsibilities include monitoring portfolio performance, maintaining accurate records in internal systems, and supporting operational efficiency and compliance. The role also requires direct interaction with customers to clarify loan terms, address queries, and provide a high standard of service in alignment with Saarathi Finances customer-first approach.

Qualifications

• Candidates should possess strong Credit Management and Finance skills, with the ability to interpret financial data and assess creditworthiness.
• Candidates should possess solid Analytical Skills, including attention to detail, numerical aptitude, and sound judgment in decision-making.
• Candidates should possess Customer Service and Communication skills to engage professionally with clients, partners, and internal stakeholders.
• Relevant experience in NBFCs, banking, or MSME lending is beneficial, especially in credit assessment and loan operations.
• Bachelors degree in Finance, Commerce, Business, or a related field is preferred; professional certifications in credit or risk management are an advantage.
• Familiarity with lending regulations, KYC norms, and basic documentation requirements for business loans is desirable.
• Proficiency in MS Office and comfort working with loan management or CRM systems is beneficial.
• Ability to work on-site in Visakhapatnam, manage multiple cases simultaneously, and collaborate effectively in a team environment.