Job Description

Credit Manager-LAP-JD

About Credit Saison:
Established in 2019, CS India is one of the country’s 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 India’s 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
Saison’s 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 Japan’s 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
company
● 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
1. Candidates should have 4+ years of experience in Credit with good
communication skills and digital orientation.
2. Qualification : graduation/ post-graduation in any field
3. Experience of handling secured products (Small Ticket LAP) will be an