Role: Credit Executive Function: Credit, Risk & Collections **Objective:_**Ensure strict and disciplined credit evaluation, onboarding, verification, and repayment monitoring of e-rickshaw drivers purchasing Enerjazz lithium-ion batteries. Build a robust credit system that balances growth with portfolio quality. Role Objective Own end-to-end driver credit evaluation and repayment discipline across regions. This role ensures Enerjazz installs batteries only with safe, validated customers and maintains low default rates through strong follow-ups, documentation, and field verification workflows. Key Responsibilities 1. Credit Evaluation & Customer Onboarding • Conduct phone-based and field-based verification (directly or via outsourced partner). • Confirm KYC, address, vehicle details, route, daily earnings, and references. • Identify fraud signals, mismatched information, or risky profiles. • Score and categorize customers (A/B/C) using Enerjazz’s internal criteria. • Approve or reject applications with clear documentation. 2. Documentation & Compliance • Ensure complete KYC, rental agreement, RC, permit, Aadhaar, photos, and signatures before approval. • Maintain accurate, audit-ready files in Google Drive/CRM. • Cross-check duplicate customers, mismatched RCs, or wrong guarantor references. 3. EMI Tracking & Collections Support • Track daily/weekly EMI status using CRM + Google Sheets. • Proactively call customers before due dates and escalate overdue cases. • Coordinate with field collection agents when needed (for POS visits or reminders). • Maintain bucket-wise recovery performance. 4. Coordination With Sales & Ops • Work closely with the Sales team to validate customers being onboarded. • Ensure no installation happens without credit clearance. • Coordinate with Logistics for installation timing based on approval status. 5. Reporting & Analytics • Prepare weekly dashboards covering: • Approval rate • Rejection reasons • Pending cases • Collection efficiency • 7/14/30 day overdue buckets • Recommend improvements to credit policy based on field learnings. Must-Have Skills • Strong Hindi communication (driver-level + professional-level). • High discipline with documentation and Google Sheets. • Ability to detect fraud patterns and inconsistencies. • Comfort in fieldwork (spot checks, dealer visits, customer house visits). • Calm, firm, and assertive mindset for credit + collections. Bonus Skills • Experience in NBFC, e-rickshaw financing, microfinance, two-wheeler loans, battery financing, or collections. • Ability to speak basic English for internal coordination. • Knowledge of rural/urban last-mile transport ecosystem. KPIs You Will Own • Credit Approval Accuracy: < 5% cases turning into NPA • EMI Collection Efficiency: > 92% • Documentation Accuracy: > 98% • Turnaround Time: Credit decision within 4 hrs • Fraud/Bad Case Leakage: < 1% Growth Path • Senior Credit Analyst (12–18 months) • Credit & Collections Lead (24–36 months) • Opportunity to build the credit team as Enerjazz scales pan-India Why Join Enerjazz? • Shape the credit engine of one of India’s fastest-growing EV battery startups. • Work directly with the founder on mission-critical decisions. • Be part of an ambitious team solving mobility and financing challenges for thousands of drivers. • Competitive salary + performance incentives + future ESOP pool.