Credit Manager

Company Description SBFC Finance Limited, headquartered in Mumbai, is a new-age financial services institution focused on providing credit to small businesses and consumers. Founded in 2017, SBFC expanded rapidly by acquiring the retail lending book, infrastructure, branch network, and employee team of Karvy Financial Services Limited. Backed by an equity infusion of ₹845 crores ($130 million) from PE investors Lyra Partners and Arpwood Partners, the company is positioned to finance millions of small businesses through technology-led solutions.
The organization offers a dynamic environment for professionals interested in growing careers in innovative retail and small business finance.
Role Description This is a full-time, on-site Credit Manager role based in Mira-Road or Ambernath location. The Credit Manager will evaluate and assess creditworthiness of small business and consumer applicants, analyze financial statements, review credit histories, and determine appropriate loan structures and limits. The role includes managing credit risk within defined policies, ensuring compliance with internal and regulatory guidelines, and maintaining high-quality underwriting standards. The Credit Manager will collaborate with business teams to support loan growth targets while safeguarding portfolio health, monitor existing accounts, and recommend corrective actions when needed. The position also involves preparing credit reports, participating in credit committee discussions, and contributing to improvements in credit processes and risk fr
ameworks.
Qualifications
Strong credit domain expertise, including Credit Management and Credit Risk Management skills.
Solid analytical capabilities, with proven Analytical Skills applied to evaluating borrowers and portfolios.
Sound understanding of Finance and Credit concepts, including financial statements, cash flow analysis, and collateral assessment.
Relevant academic background such as a bachelor’s degree in finance, commerce (CA, MBA, Mcom)
Experience in retail or small business lending, preferably in NBFCs or banks, with exposure to underwriting and portfolio monitoring.
Ability to interpret data, use credit tools or scoring models, and make clear, well-documented credit decisions.
Strong communication and stakeholder management skills, with the ability to work closely with business, operations, and risk teams.
High level of integrity, attention to detail, and commitment to regulatory compliance and internal policy adherence.

Work arrangement
No