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Credit Manager @ IIFL Samasta Finance Limited | Analyzing Credit Risk

About

IIFL Samasta Finance empowers clients by evaluating creditworthiness through detailed financial analysis, risk assessment, and tailored payment plans. Collaborating with teams, we ensure informed decisions on loan approvals and facilitate seamless communication with stakeholders. With a BA in English from Babasaheb Bhimrao Ambedkar Bihar University, expertise spans business analysis, loans, and finance. Integrity, attention to detail, and domain knowledge drive efforts to manage credit operations effectively and monitor loan repayments.

Location

Patna

Work experience

Credit Manager at IIFL Samasta Finance Limited, Feb 2025 - Present · 1 yr 5 mos, Patna, Bihar, India, Assesses a client's financial situation to determine if they are eligible for a loan or credit line. Strong analytical and problem-solving skills Excellent communication skills Attention to detail Domain knowledge Interpersonal skills Integrity Evaluate creditworthiness: Review financial statements, credit reports, and other financial documentation Calculate risk ratios: Use the client's credit score and financial history to determine the risk of lending money Approve or deny loans: Communicate the decision to the client and management Set up payment plans: Explain the interest rate, monthly installment amounts, and other costs Monitor loan payments: Ensure payments are made on time and manage any debt recovery Manage defaulted loans: Collect on loans that are in default Provide financial counseling: Help clients with their financial situation

Credit Officer at Midland Microfin Ltd, Jul 2024 - Jan 2025 · 7 mos, Patna, Bihar, India

Education

Bachelor of Arts - BA, English Language and Literature/Letters, Babasaheb Bhimrao Ambedkar Bihar University