Credit Manager

Position: Credit Manager – Two-Wheeler Loan Underwriting

Location: Bhopal, Madhya Pradesh

Experience: 5 – 8 years (strictly within this band), specifically in underwriting two-wheeler loans for NBFCs

Working Days: 6 days a week

Reporting To: Regional Credit Manager / Head – Credit

About the Role

ProsParity (Etribe Finance Private Limited) is looking for an experienced Credit Manager to independently underwrite two-wheeler loans out of our Bhopal location. The ideal candidate will have hands-on, NBFC-specific two-wheeler loan underwriting experience within the 5–8 year band, strong Excel skills, and the ability to take independent credit decisions within defined policy and delegation limits.

Key Responsibilities

• Independently underwrite two-wheeler loan applications end-to-end, from login to disbursement, in line with the company's credit policy and risk appetite.
• Conduct personal discussions (PD) and telephonic verification of applicants, co-applicants, and guarantors to assess creditworthiness and intent to pay.
• Evaluate income documents, bank statements, bureau reports (CIBIL/Experian/CRIF), and other KYC/financial documents to arrive at a sound credit decision.
• Carry out field/desktop verification coordination (residence, business, employment) through the verification/FI agencies and validate reports received.
• Assess dealer/showroom-level risk, vehicle valuation, and margin/LTV compliance for each two-wheeler loan file.
• Maintain and analyze underwriting data, portfolio quality (DPD buckets, vintage/cohort trends), and prepare MIS/reports in Excel for management review.
• Ensure adherence to RBI guidelines, internal credit policy, and DPDP Act/KYC-AML norms in every file underwritten.
• Coordinate with sales, operations, and collections teams at the branch to ensure smooth login-to-disbursement turnaround time (TAT).
• Flag early warning signals, fraud indicators, and policy deviations, and recommend corrective action.
• Support portfolio audits, RCU (risk containment unit) queries, and internal/statutory audit requirements as needed.

Required Qualifications & Experience

• 5–8 years of experience (strictly within this band) in underwriting two-wheeler loans with an NBFC (candidates outside this experience band will not be considered).
• Proven track record of independent credit underwriting/decisioning – not merely file-processing or sourcing support.
• Strong working knowledge of MS Excel (V-lookups, pivot tables, basic formulas) for portfolio tracking, MIS, and reporting.
• Sound understanding of credit bureau reports, income assessment methods, and two-wheeler asset/dealer ecosystem.
• Graduate degree in any discipline; a background in finance/commerce is preferred.
• Willingness to work 6 days a week and travel locally within Bhopal and surrounding markets as required.
• Good communication skills in Hindi and English for applicant/dealer interactions.

Desired Attributes

• High integrity and sound judgment in credit decision-making, with the ability to say “no” to a bad file despite business pressure.
• Comfortable working independently at a branch/location level with minimal supervision.
• Detail-oriented, process-driven, and comfortable with data/Excel-heavy reporting.
• Preference for candidates with prior experience of working for IDFC First Bank, Capital First Limited, Berar Finance and L&T Finance.
• Familiarity with co-lending/DSA-sourced two-wheeler loan models is an added advantage.

Compensation

In-line with experience and in line with industry standards for the Bhopal market. To be discussed based on candidate profile.