Job Purpose 1. Risk Management for the company- Credit Managers play a critical role in managing risk. They assess the creditworthiness of potential customers and monitor existing clients, 2. Compliance- Ensure compliance with relevant laws and regulations. They must stay informed about legal requirements related to credit lending and ensure that the organization adheres to them. 3. Financial Growth- Credit Managers contribute to the financial growth of the organization. By making informed decisions about credit limits, terms, and conditions, they help facilitate sales while minimizing bad debt losses. 4. Credit Policies and Procedures- They are responsible for implementing and maintaining consistent credit policies. This includes periodic credit reviews of existing customers and assessing the creditworthiness of potential clients. Duties and Responsibilities 1.Evaluate potential customers’ creditworthiness 2.Evaluate & reduce the credit risk 3.Approve and reject loans through the available data 4.Review and update the company's credit policy and monitor loan payments and bad debts. 5.Play a vital role in maintaining financial stability through effective credit risk management and debt collection strategies. 6.Require a combination of hard skills such as financial analysis and soft skills like communication and negotiation to excel in their role 7.Controlling the overall credit exposure of the company can be complex & closely monitor accounts receivable and assess the creditworthiness of customers. 8. Analyzing financial statements, credit reports, and payment histories to gauge risk levels. 9.Ensuring compliance with credit policies 10.Making informed decisions based on financial regulations and company policies. 11.Utilizing technology and staying updated on industry trends also contribute to their effectiveness Required Qualifications and Experience Graduate/Post Graduate/MBA with minumum expserience of 1-3 Yrs in credit underwriting, specifically having knowledge of tractor underwriting.